If you become Totally Disabled while insured and before your 70th birthday, your insurance may be continued without payment of premiums, while you
remain Totally Disabled following a 180-day Waiting Period.
Accelerated Benefits
If you qualify for Waiver of Premium and you give The Standard proof of having a Qualified Medical Condition (you are terminally ill, with a life expectancy
of less than 12 months), you may have the right to receive during your lifetime a portion of your insurance as an Accelerated Benefit of up to 75% of your
insurance. The minimum is $5,000 or 10% of your insurance, whichever is greater.
Portability of Insurance
You may continue your insurance for up to 24 months if your employment terminates, subject to the following:
The amount of any insurance to be continued must have been continuously in effect for at least 12 consecutive months on the date your employment terminates.
In computing the 12 consecutive month period, we will include time insured under the Prior Plan.
You must be able to perform with reasonable continuity the material duties of at least one gainful occupation for which you are reasonably fitted by education,
training and experience on the date your employment terminates.
Termination of your employment is not due to retirement.
To continue insurance under this provision you must apply in writing and pay the first Portability Premium within 31 days after your employment terminates.
