#Integrity plus rpp full#

#Integrity plus rpp full#

True Own Occupation Rider: Total disability means that, вЂњbecause of sickness or injury, the insured is unable to perform all of the substantial and material duties of his or her occupation or profession.' This means at claim time you will be able to collect full disability benefits while totally disabled, even if you choose to work doing another occupation.

Streamlined PDQ Quick Application Process:Д«ase Definition of Disability: Total disability means that, вЂњbecause of sickness or injury, the insured is unable to perform all of the substantial and material duties of his or her occupation or profession and is not actually at work in any occupation or profession.вЂќ This means that at claim time, no benefit is payable if the insured is working.Packaged with Term Life: If looking for affordable total disability coverage to compliment your low cost term life policy.Temporary Coverage: Affordable option to provide basic covberage until you can purchase a more robust disability policvy like Provider Choice.Potential Uses: PayGuard Plus can provide a variety of solutions for your disability Insurance needs. You wonвЂ™t be required to pay a policy premium while youвЂ™re disabled and collecting benefits, or for three months after your claim ends. Waiver of Premium: Reduces the financial stress of a disability.Benefits after the Expiration Date: If Your Total Disability begins within twelve months prior to the policy expiration date, and continues uninterrupted beyond the expiration date, we will continue to pay the monthly benefit after the expiration date until we have paid twelve months of monthly benefit from the start of such total disability.This means you can select and pay for the coverage you need. Reducing Term Coverage:В Coverage for total disabilities for 5-30 years in yearly increments up to age 65.Rates & Policy Language Canot Change Until Policy Expiration: We cannot cancel your policy, increase your premiums or change policy provisions if you keep paying premiums due, until policy expiration.Available to occupation classes: 3-6, 3M-6M, 3D-4D.Benefits will start at the end of the elimination period and end when: you recover from total disability or the policy reaches the expiration date shown in the schedule page.Yearlly benefit options: Minimum term is 5 years, Maximum term is 30 years or age 65, whichever comes first.How PayGuard Works: With this simple total disability only policy you simply choose between a 90 or 180 day elimination period then you choose the term of coverage. The New PayGuard Plus (Policy Form 18PG) released 4/20/20 is a simple, affortable, reducing term disability insurance policy that coversВ total disabilities for individuals not willing or ready to purchase the more robust Provider ChoiceВ Policy.