2021/9/111SupplementaryBenefits2021/9/112ChapterOutlineSupplementaryDisabilityBenefitsAccidentBenefitsAcceleratedDeathBenefitsBenefitsforAdditionalInsuredsInsurabilityBenefits2021/9/113SupplementaryDisabilityBenefitsWaiverofPremiumforDisabilityBenefitsWaiverofpremiumforpayorBenefitsDisabilityincomebenefits2021/9/114WaiverofPremiumforDisabilityBenefitsTheinsurerpromisestogiveupitsrighttocollectrenewalpremiumsthatbecomeduewhiletheinsuredistotallydisabled.WhatisTotalDisability?Theinsured’sinabilitytoperformtheessentialactsofherownoccupationoranyotheroccupationforwhichsheisreasonablysuitedbyeducation,training,orexperience.2021/9/115WaiverofPremiumforDisabilityBenefitsIfthepolicyistheonethatbuildscashvalue,thecashvaluewillcontinuetoincreasejustasifthepolicyownerpaidthepremium.Inthecaseofaparticipatingpolicy,theinsurancecompanycontinuestopaypolicydividendsasifthepolicyownerwerepayingpremiums.2021/9/116WaiverofPremiumforDisabilityBenefitsSomelimitscontain3-6monthswaitingperiods.Beavailabletocoveronlydisabilitiesthatbeginduringaspecifiedagespan.Theintervalatwhichpremiumpaymentsareduecannotbechanged.Excludesomerisksfromrider’scoverage2021/9/117WaiverofPremiumforPayorBenefitIsdesignedforthird-partypolicies,suchasjuvenileinsurancepolicies.Ajuvenileinsurancepolicyisapolicythatisissuedonthelifeofachildbutisownedandpaidforbyanadult,usuallythechild’sparentsorlegalguardian.2021/9/118WaiverofPremiumforPayorBenefitDefinitiontheinsurancecompanywaiveitsrighttocollectapolicy’srenewalpremiumsifthepolicyowner-thepersonresponsibleforpayingpremiums-diesortobecomestotallydisabled.2021/9/119DisabilityIncomeBenefitProvidesamonthlyincomebenefittothepolicyowner-insuredifshebecomestotallydisabledwhilethepolicyisinforce.Themonthlyincomebenefitisastatedamount.2021/9/1110DisabilityIncomeBenefitExamplePaxtonHaymeswasthepolicyowner-insuredofa$150,000lifeinsurancepolicythatincludedadisabilityincomebenefitrider.Theriderstatedthat,ifPaxtonbecometotallydisabled,thentheinsurancecompanywoldpayhimamonthlybenefitof$10per$1000oflifeinsurancecoverageduringtheperiodofdisability;theincomebenefitwouldbeginthreemonthsaftertheonsetofadisability.whilethepolicywasinforce,Paxtonbecamedisabledasdefinedinthedissabilityincomebenefitrider.Twoyearslater,hediedasaresultofhisdisability.2021/9/1111DisabilityIncomeBenefitAnalysisthreemonthsafterhebecamedisabled,Paxtonbecameeligibletoreceiveadissabilityincomebenefitof1500permonth.uponPaxtondeath,thepolicy’sdeathbenefitbecamepayabletothenamedbeneficiary.2021/9/1112AccidentBenefitsAccidentalDeathBenefitDismembermentBenefit2021/9/1113AccidentalDeathBenefitsIftheinsureddiesasaresultofanaccident,theinsurancecompanywillpaythenamedbeneficiaryanamountofmoneyinadditiontothebasicdeathbenefitprovidedbythelifeinsurancepolicy.Thisadditionalsumisoftenequaltothepolicy’sfaceamount.Exclusionsandsomelimitations:2021/9/1114DismembermentBenefitTheinsurerwillpayastatedbenefitamountifanaccidentcausestheinsuredtolosetwolimbsorsightinbotheyes.2021/9/1115AcceleratedDeathBenefitsProvidethatapolicyownermayelecttoreceiveallorpartofthepolicy’sdeathbenefitbeforetheinsured’sdeathifcertainconditionaremet.TerminalillnessbenefitDreadDiseaseBenefitlong-termcarebenefit2021/9/1116TerminalillnessbenefitIsabenefitunderwhichtheinsurerpayaportionofthepolicy’sdeathbenefittoapolicyowneriftheinsuredsuffersfromaterminalillnessandhasaphysician-certifiedlifeexpectancyof12monthsorless.2021/9/1117DreaddiseasebenefitTheinsureagreestopayaportionofthepolicy’sfaceamounttoapolicyowneriftheinsuredsuffersfromoneofanumberofspecifieddiseases.2021/9/1118Long-termbenefitIspayableasamonthlybenefittoapolicyowneriftheinsuredrequiresconstantcareamedicalcondition.2021/9/1119BenefitsforadditionalinsuredsSpouseandChildren’sinsuranceriderchildren’sinsuranceridersecondinsuredrider2021/9/1120InsurabilitybenefitsGuaranteedinsurabilitybenefitpaid-upadditionsoptionbenefit2021/9/1121
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