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Compare Disability Insurance Plans

Which plan is right for you?

Ideal for
Ideal for	Self-employed Contract workers or subcontractors Part-time or seasonal workers Those without a group disability plan or want to add to existing coverage	Those who work on a fee-for-service basis (doctors, lawyers or accountants) High-income professionals or executives	Small business owners or managers Tradespeople (plumbers, electricians, etc.) Middle-income earners (in sales or office work) Self-employed farmers	Small business owners or managers Tradespeople (plumbers, electricians, etc.) Middle-income earners (in sales or office work) Self-employed farmers	Self-employed Contract workers Retail workers Construction workers Tradespeople (plumbers, electricians, etc.) Self-employed farmers	Those who work on a fee-for-service basis (doctors, lawyers or accountants) High-income professionals or executives

Eligibility
Age eligibility	18-55 years	18-60 years	18-60 years	18-60 years	18-64 years (illness coverage) 18-69 (injury coverage)	18-60 years
Medical exam required	No	Typically, yes	Typically, yes	Typically, yes	For illness coverage only	Typically, yes

Coverage and Benefits
Definitions of Disability Included¹	Total disability	Total disability Residual disability Partial disability	Total disability	Total disability	Total disability Partial disability	Loss of earnings (An illness or injury reduces your ability to work and causes at least a 20% loss of earnings.)
Return to Work Benefits Included	No	Yes	Yes	Yes	Yes	Yes
Timeframe to Receive Benefits	2 years	2 years 5 years To age 65	2 years 5 years 10 years² To age 65	2 years 5 years To age 65	2 years (illness coverage) 5 years To age 70	2 years 5 years To age 65
Benefits Reduced if Receiving Other Disability Benefits	No	No	Minimally reduced if receiving disability payments from auto insurance	Yes, in some cases	Yes, in some cases	Yes
Other Features	Covers injury only, or both illness and injury You can keep policy if you change jobs	Recovery benefit Step rates available to ages 18-35 (pay less at start of your career) From age 55 to 65, you can convert all or some of your coverage to long-term care insurance³ You can keep policy if you change jobs	Recovery benefit Step rates available to ages 18-35 (pay less at start of your career) Special underwriting guidelines for farmers From age 55 to 65, you can convert all or some of your coverage to long-term care insurance³ You can keep policy if you change jobs	Special underwriting guidelines for farmers From age 55 to 65, you can convert all or some of your coverage to long-term care insurance³ You can keep policy if you change jobs	Covers injury only, or both illness and injury Accidental medical emergency benefit Level premiums Plan option with benefits paid from the first day of disability due to injury You can keep policy if you change jobs	Recovery benefit Step rates available to ages 18-35 (pay less at start of your career) From age 55 to 65, you can convert all or some of your coverage to long-term care insurance³ You can keep policy if you change jobs
Optional Coverages for Additional Protection	Illness coverage	Add more coverage, subject to approval Future income option, subject to approval Cost of living benefit Retirement Protector First day of hospitalization benefit Accidental death and dismemberment benefit	Add more coverage, subject to approval Future income option, subject to approval Partial disability benefit Enhanced definition of disability benefit Cost of living benefit Retirement Protector First day of hospitalization benefit Accidental death and dismemberment benefit	Enhanced definition of disability benefit Future income option, subject to approval Partial disability benefit Cost of living benefit Retirement Protector Hospitalization benefit	Illness coverage Accidental death and dismemberment rider Business overhead expense benefit	Add more coverage, subject to approval Future income option, subject to approval Cost of living benefit Retirement Protector

Premiums
Premiums Guaranteed	Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics)	Yes, to age 65	Yes, to age 65	Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics)	Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics)	Premiums can be adjusted by class (an entire group of policyholders sharing similar characteristics)

The information provided herein is for comparison of current product offerings only and does not replace the policy contract. Please refer to the policy contract for a full explanation of benefits, including definitions, benefit amount, optional benefits, exclusions and limitations.

Legal Disclaimer¹

Policy will include definitions of disability.

Legal Disclaimer²

Certain occupations.

Legal Disclaimer³

Some restrictions apply.

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Compare Disability Insurance Plans

Which plan is right for you?

Ideal for

Eligibility

Coverage and Benefits

Premiums