Our Graded-Benefit DI Plans are Designed for the Medically Impaired Individual. Pre-existing conditions may be covered after the elimination period when listed on the application, approved by the company and coverage is issued. Waiver of Premium is included prior to age 65. Monthly Benefits from $500 on Silver to $10,000 on both plans. To receive DI coverage, your clients must be actively working at least 30 hours/week.
33% of stated monthly benefit is paid if disability occurs during the 1st year
66% of stated monthly benefit is paid if disability occurs during the 2nd year
100% of monthly benefit is paid if disability occurs after 2nd year of coverage
Executive Platinum Plan has a 5-year Maximum Benefit and Executive Silver Plan has a 2-year Maximum Benefit, & both plans offer special added benefits.
Key Benefits
- Survivor Benefits - Two times the amount of the last monthly benefit paid to the insured is provided to the surviving spouse. The insured must have been disabled for 180 days and receiving benefits.
- Hospital Indemnity Benefits - $30 per day for up to 90 days after the elimination period if the insured was hospital-confined for the entire elimination period.
- Accidental Death and Dismemberment - Up to $5,000 benefit paid should death or dismemberment occur within 90 days of covered accidental injury.
Optional Benefits (Available on Executive Platinum & Silver Plans Only)
- Own Occupation Extension Rider - Amends the definition of total disability to increase the time period that the insured is covered at own occupation from two to five years. (Available on Executive Platinum only)
- Partial Disability Rider - provides up to 50% of selected monthly benefit for partial disability up to six months upon completion of the elimination period or immediately following a period of total disability.
- Accidental Death and Dismemberment - adds from $25,000 to $500,000 in benefits if death or dismemberment occurs within 90 days of a covered accidental injury.
- Hospital Indemnity Benefits - provides immediate benefit should the insured be hospital-confined from $25 to $100 per day for up to 365 days.
- Home Health Care Benefit Rider - pays $50 to $100 per day for home health care services for up to two years after insured has been hospital-confined for three or more days. (not available in California)
Base Plan Pricing per $100 Benefit
| Platinum - Issue Age | Premium | |
|---|---|---|
18 - 29 |
$70 | |
30 - 39 |
$80 | |
40 - 49 |
$87 | |
50 - 59 |
$137 | |
60 - 63 |
$182 |
| Silver - Issue Age | Premium | |
|---|---|---|
18 - 29 |
$58 | |
30 - 39 |
$66 | |
40 - 49 |
$72 | |
50 - 59 |
$114 | |
60 - 53 |
$152 |
There is a $50 policy fee added to the published rates listed above.
Please contact our office regarding premium rates for our Executive Blue-Collar Plan and the specific optional benefit rates for the Executive Platinum and Silver Plans. However, you can download a Premium Calculation Worksheet in MS Excel format at images/DI_WORKSHEET.xls
Underwritten and Administered by Fidelity Security Life Insurance Company, Kansas City, MO
