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Residual Disability Riders Toolkit

Platinum Advantage offers the ultimate flexibility around residual disability coverage. Determining which rider is right for your customer is a matter of understanding the coverage gaps they’re most likely to experience. We offer Basic, Short-Term and Enhanced Residual Disability riders so you can offer the right solution for each customer.

Residual Riders Defined

Basic Residual Disability RiderOcc. Classes: All classes except A and B  
Benefits: Guaranteed to be at least 50% of the basic monthly benefit for the first 6 months; after 6 months benefits paid may be more or less than 50%, depending on loss of income  
Based on: A loss of income and a loss of either time or duties  
Recovery Benefit: Paid if insured returns to same occupation and has a loss of at least 20% income due solely to the same disability
Enhanced Residual Disability RiderOcc. Classes: 3A, 3P and higher  
Benefits: Guaranteed to be at least 50% of the basic monthly benefit for the first 12 months; after 12 months benefits paid may be more or less than 50%, depending on the loss of income  
Based on: Loss of time or duties or income during the benefit waiting period  
After Benefit Waiting Period: Insured is considered residually disabled if working in regular or any other occupation and experiences a loss of income  
Recovery Benefit: Paid if insured returns to work in own or other occupation and has at least 20% income loss due solely to the same disability
Short-Term Residual Disability RiderOcc. Classes: 2A, 2P, A and B  
Benefits: 50% of the basic monthly benefit up to 6 months  
Based on: A loss of income of 20% or more and a loss of either time or duties during and after the benefit waiting period

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