What if your paychecks stopped? You’re suddenly unable to work due to an injury or illness. What’s next?
Think About It
Your income supports it all – your home, car, groceries, life insurance, retirement savings, and future plans. When a disability strikes, life can change in an instant. Medical expenses grow. Family life is disrupted. Your savings and retirement funds are at risk. They could be depleted quickly in order to keep the bills paid while you recover.
How It Works
It's simple. You make two choices - the monthly benefit amount you'll need and how long you will need it - which is called the benefit period. The options you choose can help you keep the cost within your budget.
This benefit period is the maximum number of months your policy will pay a benefit to you. Think about how long you would need to receive monthly benefits if you were unable to work due to injury or illness. This should be the benefit period you choose.
How It Pays
You’ll receive monthly benefits after a specific waiting period. The waiting period depends on the options you choose and whether you are unable to work due to an accident or an illness.