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You work hard to give your family what they need. That's why your income is one of your most valuable assets. If a total disability took away your ability to work, your income could stop but the bills never would. From Illinois Mutual With Disability Income protection from Illinois Mutual you'll have the reassurance that you're prepared for the unexpected. We've spent over 85 years developing flexible, affordable, income protection so you'll know the ones you are about most are protected. That's real peace of mind. Our Disability Income plan lets you - Choose from a variety of elimination periods: 30, 60 or 90 days.
- Choose the benefit period* you need: 6 months, 1, 2, 5 and 10 years, or to age 65.
- Receive protection that's guaranteed renewable at age 65. Your coverage cannot be canceled as long as premiums are paid.
- Be covered in your own occupation for a specified period of time.
- Receive benefits in addition to Social Security or Worker's Compensation. And, your covered 24 hours a day, on or off the job.
- Receive tax-free benefits. When the policy premiums are paid by you, the benefits you receive are income tax free.
* varied by occupational classification You can choose an option that - Returns premiums paid, less claims at age 65: Surrender Value Rider
- Guards against potential inflation: Cost of Living Rider
- Provides additional coverage as your income increases: Option to Purchase Rider
- Pays you extra benefits during the critical period: Additional First Year Benefit.
At Illinois Mutual we understand that you would protect your family from everything, if you could. But you can't and that can make the best of us uncomfortable. Fortunately, you have a choice - our Individual Disability Income Policy, designed to give you peace of mind. * Benefits will not be paid for: normal pregnancy or childbirth; war, declared or not; military service, except for training periods of less than 60 days. During the first 2 Policy years (12 months in Virginia and North Carolina) the Policy man not cover a disability if it is the result of an injury sustained or sickness which existed prior to the Date of Issue on the Policy. However, if you fully disclose such a condition in your application we will pay benefits unless a Rider excludes such condition by name.
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