 | All benefits are guaranteed issue |
| Pre-Existing Conditions—30 days/5 days |
| 60 percent of your Base Monthly Salary (excluding bonuses,
overtime pay, etc.) up to a Maximum Benefit of $5,000, less Benefit Offsets |
| 80/50 earnings test to determine disability |
| Own Occupation—2 year benefit period |
| Any Occupation—benefits payable to age 65 |
| Elimination Period is 3 months—claimant must be totally
disabled during this period |
| Waiver of Premium during disability |
| Mental/Nervous benefit period—12 months |
| Drug and Alcohol benefit period—12 months |
| Survivor Benefit—3 month lump sum payment without benefit
offset reduction |
| Conversion Privilege—conversion up to $5,000 per month less
any other benefits from other policies |
