Living benefits fall under three criteria: Terminal Illness, Chronic Illness and Critical Illness.

Qualifying for Living Benefits:

There are 18 conditions, classified under 3 illnesses, which constitute qualifying events covered under this rider.

Terminal Illness

The presence of an illness or condition where life expectancy does not exceed 12 months.

Chronic Illness

The inability to perform at least two activities of daily living for at least 90 days or the presence of a severe cognitive impairment.

Dressing, Toileting, Eating Transferring, Bathing & Continence

Critical Illness

The diagnosis of any of the following illnesses or conditions:

Invasive Life-Threatening, Cancer, Major Burns, Stroke, Coma, Major Heart Attack, Aplastic Anemia, End Stage Renal Failure, Benign Brain Tumor, Major Organ Transplant, Aortic Aneurysm, ALS (Amyotrophic Lateral Sclerosis), Heart Valve Replacement, Blindness due to Diabetes, Coronary Artery Bypass Graft Surgery, or Paralysis of two or more Limbs