Supplemental Income Rider
Available only at time of app.
dollar-for-dollar social insurance
offset if social insurance is paid.

Non-Cancelable Rider
(4 & 3A to standard risk)
When non-can rider added
to 1-2-5 year benefit periods.
Policy becomes non-can to age 65.
(Not available for "to age 65"
benefit period)

5 Year Own Occupation Rider
(4 & 3A & for 5 year & to age 65
benefit). Extends own occupation
definition from 2 year to 5 year
at an additional cost.

Hospital Event Rider (all classes)
Monthly benefit must equal
monthly benefit under the
base policy. Pays hospital
benefit for each month of
confinement up to 6 months
for an injury or sickness.

Guaranteed Insurability Rider
(All classes-standard risk)
Maximum issue age is 37
Minimum amount = 2 units
Maximum amount = 5 units
Units must equal the number
of hundreds of base policy subject
to max units. Enables coverage
to increase by a non-disables
insured at 25, 28, 34, 37, 40
regardless of occupation.

Automatic Benefit Increase Rider
(All Classes)
Annual increase equal to 5% of
monthly benefit, subject to
contract provisions. Lifetime
cap on monthly benefit is 2
times original base.

Residual Benefit Rider
2A, 3A, 4A, ONLY
All benefit periods
Residual replaces partial benefit
Under a Dr's care
At least 25% loss of prior Earnings.

Return Of Premium
(All classes and benefit periods)
Return of all premiums received,
minus any benefits paid or
premiums waived.
After 3rd policy year
Policy is surrendered upon
payment of rider.
18-44 after 25 years, 100%
45-65 after 10 years, 50%

Catastrophic Disability Income Rider
Not to be available is all states
Ages 18-55: 1,2, and 5-year base
policy benefit periods and all
CDIR benefit periods.
Ages 56-60: 1 and 2 yr. Base policy
benefit periods and for 3 and 4yr
CDIR benefit periods to extend
the total benefit period payable
under the base policy to 5 years.