Transition Rules

Basic Residual Disability Rider Available in California

Effective May 21, 2021

The Basic Residual Disability Rider is available in California for occupation classes 2A/2P and higher.

Fully Underwritten Applications

  • Applications pending underwriting decision May 21, 2021. Eligible applicants may request the Basic Residual Disability Rider replace the option originally applied for.
  • Policies pending delivery or accepted with an effective date on or after April 21, 2021. Eligible applicants may request we reissue the policy with the Basic Residual Disability Rider. We must receive the request in the home office by June 21, 2021.
  • Eligible insured individuals with policies with an effective date before April 21, 2021. California policyowners in occupation classes 2A/2P who would like to increase coverage from the Short-Term Residual Disability Rider to the Basic Residual Disability Rider must submit a new application. We’ll process the application as a Cancellation/Replacement.

Fully Underwritten Increase Options

  • Increase options pending an underwriter decision with an increase effective date on or after April 21, 2021. Eligible applicants may request we issue the increase with the Basic Residual Disability Rider if the base policy has the equivalent of Enhanced Residual. A new policy will be issued for the increase.
  • Increase options pending delivery or accepted with an effective date on or after April 21, 2021. Eligible applicants may request we reissue the increase with the Basic Residual Disability Rider if the base policy has the equivalent of the Enhanced Residual Disability Rider. We’ll issue the increase as a new policy.
  • Increase options with an effective date before April 21, 2021. Residual rider changes aren't available. 

Guaranteed Standard Issue Plans

  • Requests for proposals received on or after May 21, 2021 with effective dates of June 1, 2021 or later. Quotes may include the Basic Residual Disability Rider as an option.
  • Previously quoted plans with June 1, 2021 or later effective dates. Plans may be requoted with the Basic Residual Disability Rider as an option.
  • Offer letters that have been released, signed and returned for June 1, 2021 or later effective dates. We may change the plan to include the Basic Residual Disability Rider as an option if enrollment hasn’t started.
  • In-force plans. An employer may request that new policies be issued with the Basic Residual Disability Rider. This will occur during the plan’s annual review and will apply to only policies issued after a newly signed offer letter is received. Previously issued policies will remain on the Enhanced Residual Disability Rider.