This policy provides 24-hour coverage for the insured. Benefits are reduced when, in combination with other disability income policies including benefits from Worker's Compensation, state disability and Social Security, the insured would be eligible to receive no greater than 80% of pre-disability income. Benefits are also reduced if the insured is unemployed at the start of total disability or if the insured becomes employed in another occupation during the first two years of disability. The product is portable. The level of coverage and premium rates depend upon the group's census and occupational class.

Other features include:

• Issue Age: 18-59 (attained age)
• Guaranteed renewable to age 65 (or retirement, if earlier)
• Waiver of premium benefit
• Benefits are not to exceed 60% of monthly income
• Two-year pre-existing conditions exclusion

This policy has exclusions, limitations, reductions of benefits and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage contact your insurance agent.

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