Plan Features: LTD

Group Size	2 - 9 Employees (available in most states)
Maximum Monthly Benefit	50% or 60% of basic monthly earnings⁷ with a choice of $3,000, $5,000 or $6,000 monthly maximum benefit, less other income benefits
Minimum Monthly Benefit	11% of the insured's pre-disability earnings
Guarantee Issue	Coverage is available for all eligible employees who enroll within 31 days of eligibility
Elimination Period	Choice of 60, 90 or 180 days
Benefit Period	Preferred Risk Employees⁸ - to age 65 for injury/sickness Standard Risk Employees - to age 65 for injury/the lesser of five years or to age 65 for sickness
Pre-Existing Conditions Limitation	12 months prior/12 months after⁹
Survivor Benefit	Three times the last net monthly benefit amount payable in a lump sum
Mental Illness and Substance Abuse Limitation	Up to 24 months of benefits per lifetime
Integration	Full family Social Security
Premium Waiver	No premium charged while the insured is receiving benefits under the policy
Contributions	Employers can pay all, part of, or none of the premium
Carve Outs	Permitted for two or more eligible employees within a class. Carve outs cannot exclude preferred risk employees
Rate Guarantee	Initial rate guaranteed for 36 months

7. Definition of Earnings: basic salary exclusive of overtime, bonuses and other special forms of compensation. Commission earnings will be based on the average monthly commission earnings of the prior 24 months. K-1 earnings of owners included, where applicable.
8. Preferred Risk Employees are classified as executive, administrative, sales, supervisory, and clerical employees who have no manual labor duties and spend at least 50% of their time inside an office environment.
9. Pre-Existing Conditions Limitation can vary by state.