Spring 2019 Case of the Quarter

This 500-attorney IDI plan was taken over from another carrier. The main selling point? True Specialty Own Occ, offered by The Standard through the Own Occupation Rider.

Under the previous plan, insured attorneys could collect total disability benefits while disabled only if they did not work at all. Now they can choose to work in another job, even if they are unable to perform the substantial and material duties of their regular occupation due to sickness or injury. The freedom to work was key for this case.  

The Standard also offered expanded coverage in other ways for a minimal increase in premium. We added features not available with the previous plan, such as unlimited Mental Disorder/Substance Abuse coverage, a To-Age-67 benefit period (vs. To-Age-65) and a 33 percent increase in monthly maximum benefit.

For Producers Only