Page 4 - Proof-1058-333441-11102020105143.PDF

Using your cash benefits BENEFITS
Our cash benefits provide greater
coverage options because you get to BASE POLICY BENEFITS
determine how to use them. Total Disability -^ the monthly benefit starts after the elimination period has been met. Benefits will not continue
beyond the maximum benefit period
Finances
Can help protect your Partial Disability -^ 50% of the monthly benefit is paid after at least one month that the Total Disability Benefit
savings, retirement plans is payable. Payments continue while partially disabled for up to 3 months, but not beyond the maximum benefit
and 401ks from being period
depleted. Pregnancy -^ a benefit for pregnancy is paid if total disability first begins after the certificate has been in force for at
Travel least 9 months
You can use your cash Organ Donor -^ a benefit is paid when disabled from donating an organ
benefits to help pay for Waiver of Premium -^ premiums are waived after monthly disability benefits are payable for 30 days in a row, for
expenses while receiving as long as monthly benefits are payable
treatment in another city.
Home BASE POLICY BENEFIT CONDITIONS
You can use your cash Concurrent Disability -^ one monthly benefit is paid, even if you are disabled due to more than one cause. Being
benefits to help pay the disabled from more than one cause does not extend the payment of benefits under the maximum benefit period
mortgage, continue rental Recurrent Disability -^ a benefit is paid if disabled from the same or related cause within 6 months without a new
payments, or perform waiting period or maximum benefit period
needed home repairs for
your after care. DETAILS OF COVERAGE
Expenses Maximum Monthly Benefit - $2500
The monthly cash benefit
can be used to help pay your Maximum Benefit Period - 3 months
family’s living expenses such Elimination Period for Accident - 7 Days
as bills, electricity and gas.
Elimination Period for Sickness - 7 Days
Monthly Benefit -^ Your monthly disability benefit may be reduced if you receive disability payments from other
deductible sources of income which include individual disability income policies, other group insurance coverage, or
income from any job for wage or profit.

DEFINITIONS
Total Disability -^ due to a sickness or injury, you are: (1) unable to perform the material and substantial duties of
your own occupation; (2) under the regular care of a doctor; and (3) not working in any job for wage or profit (item
MyBenefits: 24/7 Access 3 applies after you have been disabled for more than 12 months)
allstatebenefits.com/mybenefits Partial Disability -^ due to a sickness or injury, you are: unable to perform the material and substantial duties of
An easy-to-use website that your own occupation on a full-time basis, but are able to work part-time; and under the regular care of a doctor
offers 24/7 access to important Elimination (Waiting) Period -^ a period of continuous total disability which must be satisfied before you are
information about your benefits. eligible to receive benefits
Plus, you can submit and check
your claims (including claim Own Occupation -^ during the first 12 months of disability, the job you are performing when the period of
history), request your cash disability begins, as described in your employer’s job description. After 12 months of disability, it refers to the
benefit to be direct deposited, occupation as performed in the national economy, not a specific employer in a specific location
make changes to personal
information, and more.