Graded Benefit Disability Insurance

How the plan works

Graded Benefit DI protects personal income at 65%, up to $20,000 per month. Conditions which are graded are covered at a level benefit of either 80%, 65% or 50% of the monthly benefit amount. The definition of disability is specialty own occupation for the full benefit period. The term of insurance is guaranteed for five years and is non-cancelable. Choice of three benefit levels will enable any hard to place case an affordable premium.


Issue Ages: up to 64
Coverage Limits: 65% up to $20,000 per month
Elimination Periods: 60, 90, 180, or 365 Days
Maximum Benefit Period: 36, 48, or 60 Months
Graded Benefit Options: 80%, 65%, or 50%
Occupation Definition: Own occupation including specialties
Optional Riders: Residual & COLA
Occupations: Most occupations considered

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