This benefit provides the payment of a monthly deposit into the accumulation fund in the event the insured is totally disabled for more than 4 months, retroactive to the time of disability. It is designed to completely or partially cover the deductions related to the insurance benefits. This pre-selected amount will be paid every month during disability until the benefit ends.
 
Issue Ages - (Age nearest)
 

• Age 18 to 55 
   

Benefit Amount
 

• minimum: $25 a month
• maximum: $1,000 a month
   

Benefit Cost
 

• Fixed - Guaranteed
• Ceases to be payable at the insured's age 60
   

Termination of Coverage

Disability must occur before age 60. Benefit payments will cease at the earliest of:
 

• the date the insured ceases to be disabled
• the date of the insured's death
• the date the contract is terminated
   

Characteristics

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