Presumptive Disability Benefits
Presumptive disability means you suffer the total and irreversible loss of any of the following due directly to injury or sickness: Speech | Hearing of both ears | Sight of both eyes | Use of both hands or both feet | Use of one hand and one foot
If you are presumptively disabled, the waiting period will be waived and you will be considered totally disabled, even if you engage in any occupation.
For certain occupation classes only, the monthly benefit will be increased by 25% and we will pay a lump sum benefit equal to the lesser of 3 times the increased monthly benefit and $15,000.
Catastrophic Disability Benefits
(available for certain occupation classes only)
Catastrophic disability means you suffer a “Loss of Independent Existence” as defined in the policy. If you are catastrophically disabled, the waiting period will be waived and you will be considered totally disabled, even if you engage in any occupation.
The monthly benefit will be increased by 25% and we will pay a lump sum benefit equal to the lesser of 3 times the increased monthly benefit and $15,000.
Survivorship Benefit
If you die while receiving disability benefits, a lump sum death benefit of 3 times the monthly disability benefit will be paid to your estate.
Rehabilitation Benefit
While you are receiving total disability benefits, you may qualify for the payment of the direct cost of services in connection with a pre-approved vocational rehabilitation program.
Recurrent Disability
Your monthly disability benefit may resume immediately if the same or a related disability recurs within a specified period.
Recovery Benefit
You may qualify for a recovery benefit for 2 months after you return to full-time work in the occupation you had before you became disabled.
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