Premiums are waived after the employee has been totally disabled for at least 180 days or suffers a loss covered by AD&D after the effective date of coverage. Not available in MT, NH and UT. On each of the employee’s first five coverage anniversary dates, he or she can elect coverage increases equivalent to a premium of $1 or $2 per week. ABI benefit also increases the AD&D benefit on the life of the employee only. Future ABI benefits cease if the certificate is ported. • Premiums are based on attained age of the employee on the date of the increase • If the employee refuses to exercise an increase, all future increases are canceled • $1 per week or $2 per week We’ll waive an employee’s premium in the event of authorized strike, lockout, layoff, or job elimination (maximum six-month benefit per occurrence, with a lifetime maximum of 12 months’ waiver). Available through age 55. Elimination period is 30 days for benefit qualification.
Total Disability Waiver of Premium
Automatic Benefit Increase (ABI) Not available in MT, NJ and UT
Loss of Work Not available in MN, MT, NY, TN, UT, and WA Accelerated Benefit for Critical Illness Not available in CA, CT, KS, MT, NH, NY, and UT
25% (max $ amount of $25k)
50% (max $ amount of $50k)
100% (max $ amount of $100k)
Offers spouse coverage up to $50,000 and child coverage up to $25,000 (for each insured child). Insurance for a dependent cannot exceed the employee’s coverage amount. • Family Term coverage may be added after original policy issue date • Family Term Benefit terminates when base plan is terminated • Family Term Benefit is convertible • Spouses are covered to age 60 • Children are covered through age 25. All children are covered with a single premium regardless of the number of children.
Family Term
Prestige
™
TL-SB24 0222 www.manhattanlife.com
SERIES
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