Chronic Illness Rider

The Chronic Illness Accelerated Benefit Rider advances a portion of the death benefit if the insured becomes chronically ill – defined as permanently unable to perform at least two of the six Activities of Daily Living (bathing, continence, dressing, eating, toileting and transferring) without substantial assistance from another person, or has severe cognitive impairment, meaning the insured requires substantial supervision by another person to protect himself or herself from threats to health and safety due to severe cognitive impairment.

Chronic Illness Accelerated Death Rider Benefit

Accelerated benefits payable under this rider may only be received as a lump sum, as annual payments for a fixed period of time (not to exceed 24 months), or as monthly payments for a fixed period of time (not to exceed 24 months).
A chronic illness is defined by an insurance provider as an illness or physical condition that was initially certified by a licensed health care practitioner within the past 12 months and affects the Insured Person so that he or she.

• Is unable to perform at least two Activities of Daily Living (ADLs)
• Requires substantial supervision by another person to protect the Insured Person from threats to health and safety due to severe cognitive impairment.