Know It All: 3 Levels of Residual Disability Protection
One of the flexibility levers you'll find in Platinum Advantage is the option to offer Residual Disability coverage as a rider instead of including its full cost in the basic IDI product. Three distinct levels of residual coverage offer even more flexibility by letting you right-size each policy.
Here's a look at the key differentiators for Enhanced, Basic and Short-Term Residual Disability coverage:
Working in occupation | Loss of income | Loss of duties | Loss of time | Benefit period | |
---|---|---|---|---|---|
Enhanced | Working in regular occupation or another occupation | Required:
| Up to the maximum benefit period | ||
Basic | Working in regular occupation or another occupation | Required:
| Required:
| Up to the maximum benefit period | |
Short-Term | Working in regular occupation | Required:
| Required:
|
| Up to 6 months |
Help your clients determine which level of coverage best meets their needs and budget, and offer them income protection that fits.
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