Living Benefits

Living benefits may be triggered from the following:

Chronic Illness:

The insured is unable to perform at least two (2) Activities of Daily Living, without substantial assistance from another person, due to a loss of functional capacity for a period of at least ninety (90) days; or, (B) requires supervision by another person to protect the Rider Insured from threats to health and safety due to Severe Cognitive Impairment. (Activities of Daily Living are bathing, continence, dressing, eating, toileting and transferring.)

Critical Illness

The Insured has experienced one of the following qualifying events:

  • Heart Attack; Stroke (does not include transient ischemic attack);
  • Invasive Cancer;
  • Diagnosis of End Stage Renal Failure;
  • Major Organ Transplant;
  • Diagnosis of ALS (Amyotrophic Lateral Sclerosis);  
  • Blindness;
  • Paralysis;
  • Neurology;
  • Arterial Aneurysms;
  • Central Nervous System Tumors;
  • Major Multi System Trauma;
  • Auto Immune Deficiency Syndrome (AIDS);
  • (Advanced HIV (infection that is associated with an AIDS defining condition);
  • Severe Disease of Any Organ;
  • Severe Central Nervous System Disease (includes but is not limited to, progressive multiple sclerosis, Parkinson’s Disease, Huntington’s chorea and encephalitis which permanently alters  a portion of the cerebrum);
  • Major Burns;
  • Loss of Limbs (The complete and permanent severance of two or more limbs through or above the elbow or knee joint.)