The disability income benefit provides for the payment of a monthly income to the policyowner when the insured becomes totally disabled.
 
Issue Ages - (Age nearest)
 

• Age 18 to 45 - to age 55 benefit
• Age 18 to 50 - to age 60 benefit
• Age 18 to 55 - to age 65 benefit
  
   

Benefit Amount
 

• minimum: $25 a month
• maximum: the lesser of $3,000 a month or $40 a month per $1,000 of life insurance on the insured
   

Benefit Cost
 

• Fixed - Guaranteed
• Ceases to be payable 5 years before the end of the selected benefit period
   

Termination of Coverage

Disability must occur 5 years before the end of the selected benefit period. Benefit payments will cease at the earliest of:
 

• the date the insured ceases to be disabled
• the end of the selected benefit period
• the date the contract is terminated
   

Characteristic

There is a 4 months non-retroactive waiting period. The monthly benefits payable are subject to a maximum of 60% of the average gross monthly income of the insured for the 3 years prior to disability. This benefit will be coordinated with the benefits payable under any public or private plans for which the insured is eligible for disability benefits. The insured must be covered under the Disability Waiver of Deposit benefit for this coverage to be issued.

Total disability is defined as the inability of the insured to perform their main occupation during the first 24 months, and thereafter any occupation for which they are reasonably suited by way of education, training and experience acquired prior to disability.