Platinum Advantage

If you can't earn your usual paycheck because of a serious injury or sickness, individual disability insurance can help. Platinum Advantage can provide stand-alone income protection. Or it can be combined with your long term disability insurance to help cover a much larger portion of your salary.

What Makes Platinum Advantage Unique?

Family Care Benefit

The exclusive Family Care Benefit¹ lets you take time away from work to care for a child, parent or spouse with a serious health condition. It can lessen the financial impact of caring for a family member by providing a monthly benefit amount. It's available if you work at least 20 percent fewer hours and you experience an income loss of 20 percent or greater.²

Recent statistics support the need for this benefit:

• 23 percent of adults ages 45 to 64 care for an aging adult.³
• About one in five caregivers say they experience financial strain as a result of providing care.⁴

Features You Can Use

• Guaranteed Renewable Feature: We can't change your policy as long as you pay your premium on time.
• Rehabilitation Benefit: We pay the reasonable costs of a rehabilitation program approved by us to help you return to work sooner.
• Automatic Increase Benefit Rider: Allows for annual benefit increases to ensure that your coverage keeps pace with your salary growth.
• Survivor Benefit: If you pass away while receiving disability benefits, your beneficiary will receive a benefit equal to three times your policy's basic monthly benefit.