Additional options provide flexibility

To make this Plan even more versatile, you have three more options to consider:
1. With the Residual Plus option, you do not first have to be totally disabled to receive benefits. Days of both total and partial disability count toward your waiting period, even if they are not consecutive. For example, with the Residual Plus option and a 90-day waiting period, you could qualify for partial benefits when you were totally or partially disabled for any 90 out of 180 days. Because of the added flexibility it provides, the Residual Plus option is considered indispensable by the ADA.
2. The Future Increase Option guarantees you future coverage increases with no medical exam. Coverage can be increased up to five times, $500 per year (for a maximum increase of $2,500), subject to the Plan's overall maximum of $10,000. Members under age 50 can apply for this option, and participants with the option can exercise these increases until age 55. Once you've elected this option, you will be reminded of your opportunity to exercise an increase election at every eligible renewal.
3. The Cost of Living (COLA) Option automatically increases your benefit payments to keep pace with increases in the cost of living, in the event your total disability lasts longer than 12 months. Considered an "inflation fighter" feature, annual benefit adjustments are based on increases in the Consumer Price Index, and are particularly beneficial for long-term disabilities that extend for several years or even decades. Applicants under age 50 are eligible to apply for this option.