Why Individual Disability?
The Protector+SM: Flexible Coverage — Great Benefits
Whether you’re considering individual disability income protection in addition to your group LTD or as an alternative to it, The Protector+1 individual disability income insurance pays benefits to help cover loss of income for you or your employees. The Protector+ offers excellent coverage, and the option to purchase additional riders to customize coverage.
Choice of benefit periods: Two years, five years or to age 66/67.Choice of waiting periods: Option to choose from 60, 90,180, 365 and 730 days.1 Definition of Total Disability: The policy’s total disability benefit states that you are disabled if because of your injury or sickness, you are: unable to perform the substantial and material duties of your regular occupation, not engaged in any other gainful occupation, and under the regular care of a physician. The physician’s care requirement may be waived if further care would be of no benefit to you. Your regular occupation is your occupation at the time your disability begins.
Features of The Protector+:
- Renewable for Life while Actively Employed (Renewal Option)
- Total Disability Benefit
- Presumptive Total Disability Benefit
- Rehabilitation Benefit
- Survivor Benefit
- Waiver of Premium Benefit
- Cosmetic or Transplant Surgery Benefit
- Continuous Disability Benefit
Optional riders can further enhance your coverage with The Protector+:
- Residual Disability Rider
- Supplemental Social Insurance Rider
- Future Purchase Option Rider2
- Indexed Cost of Living Rider
- Own Occupation Rider3
- Noncancelable Policy Rider
- Catastrophic Benefit Rider4
1. The Protector in California
2. Not available with guarantee issue cases.
3. A two-year benefit period limitation is added as The Mental Disorder/Substance Abuse Limitation Endorsement when the Own Occupation Rider is selected.
