Protector Platinum GSI

We pay benefits to employees who cannot work in their regular occupations because of a total disability, as defined by the policy.

We presume an employee is eligible for the total disability benefit if an injury or illness results in loss of speech, hearing in both ears, sight in both eyes, use of both hands, use of both feet or the use of one hand and one foot.

If the insured is partially disabled, we'll pay 100 percent of the disability benefit for the first six months of partial disability regardless of the income earned while returning to work. Afterward, we pay a portion of the benefit based on the amount of income lost that month.

If the insured participates in an approved rehabilitation program to prepare for returning to full-time work, we'll pay for the reasonable costs of the program.

After the insured recovers from a disability, we pay recovery benefits if the insured continues to experience a loss of income due solely to the injury or sickness that caused the disability.

We'll pay a survivor benefit for three months beyond the date of the insured's death, if the insured dies while disability or recovery benefits are payable.

We pay a monthly benefit if the insured is disabled more than six months after the policy's effective date from a sickness caused by cosmetic or transplant surgery.

We waive all premiums due under the policy while disability or recovery benefits are payable.

This rider locks in premium rates until the policy's termination date as long as the premiums are paid by the end of each grace period.

With this rider, the monthly benefit will increase by up to 3 or 6 percent annually while the insured remains disabled, based on changes in the Consumer Price Index.

We pay an additional monthly benefit if the insured is unable to perform two or more activities of daily living, requires substantial supervision due to severe cognitive impairment or is presumptively disabled.

This rider changes the definition of disability so that the insured may be eligible for benefits if disabled in his or her regular occupation, but earning income from another occupation.

This endorsement limits the period of benefits payments to 24 months for a disability due to a mental disorder and/or substance abuse.