Disability Analysis Table for Doctors and Dentists (click here to see the table for All Other States)

Insurance Company	Renewability: Can / Guarant. to 65 / After 65	Maximum Issue/Part Limits __________________ Special Medical Limits {Indiv.-w/Group LTD}	Elimination Periods	Benefits Periods	Definition of Total Disability {OWN-OCC?} Due to Sickness or Injury	Residual Disability Benefits Due to sickness or injury	Exclusions/Limitations	Future Increase Options	The Cost of Living Adjustments
Guardian Life	Yes/Yes/Yes.	$15,000/mo-$25,000/mo __________________ $10,000/mo-$15,000/mo Participation to $15,000/mo with IDI and to $20,000/mo with group	1 ,2 , 3, 6, 12, 24 Months	2,5 yrs; to age 65	Unable to perform the major duties of you own occupation (includes recognized medical and dental specialties). Length of own-occ coverage varies by class.	By rider; income loss of 20% 1st 6 months- minimum benefit of 50%; if income loss is less than 20%, will continue benefit as long as it is at least $500/mo; losses greater than 75% or greater treated as 100%; 2 year residual rider also available.	Normal pregnancy covered after 20 days or EP if later. Incarceration; loss of professional license; benefits limited to 12 months if outside US or Canada.	Annually to age 55: before age 45 can buy all total option amount in any one year; one third thereafter; increased indemnity available for existing disability. Max FIO $5,000. It will allow to increase benefits while disabled as long as the proposed insured income has increased.	CPI tied to 3% or 6% max. Compounded; no cap; upon recovery, increases remain with out additional premium. Benefits can increase 3%, compounded on a yearly basis. I.E. If benefit goes up from $4,000 to $5,000 a month because of disability, and the insured goes back to work. Benefits will stay at $5,000 and the insured will be paying for $4,000 benefits a month.
Fidelity Security	Non cancelable / Guaranteed Renewable [Guaranteed renewable only option available]	Update Coming Soon	------elimination	Recovery Benefits- When the insured returns to work full time, the benefits is payable up to 12 months, as long as there is at least a loss of 20% in income Recurrent Benefits- A disability that occurs within 6 months after the end of the previous disability that is due to the same or related cause.	During the Occupation period, the insured is unable to perform the substantial and material duties of his/her occupation and is not working	Residual Benefits- Must be able to perform one or more, but not all principle duties of their regular occupation or is unable to spend as much time at the regular occupation as before disability began, has 20% loss of income and is gainfully employed in an occupation.	Acts of war, Commissions of crime, Incarceration, Loss of license, Intentional self-inflicted injury, Active military duty, normal pregnancy	Own Occupation Extension Rider, Hospital Indemnity Rider, Partial Disability rider, Accidental Death &Dismemberment Rider, and Home Health Care Benefit Rider.	Based on the CPI. The maximum increase will be 3% or 6%. If the claim ends prior to age 65, the benefits will include increases with no extra premium charged. At age 65, this increase becomes the insured's option.
Mass Mutual Radius XSL 98	Yes/Yes/Yes	$10,000/mo-$15,000/mo __________________ $7,500/mo-$10,000/mo	60, 90, 180, 365, 730, days	2,5 yrs; to age 65	Unable to perform the main duties of regular occupation and not working an any other occupation.	By rider: disability related income loss of 20% (from own occ or anther occ); 1st 12 months - minimum benefit of 50% ;losses 75% or greater treated as 100%.	War, normal pregnancy, 24 month for mental/ nervous/ substance abuse. For multi-life only: pregnancy after 90 consecutive days of disability, and in some ER cases, extension of MNDA.	Annually to age 60; if disabled during an option period, may apply for increase option upon recovery.	3% fixed compounded no cap; upon recovery my purchase increases.
Met Life Salary Saver	Yes/Yes/Yes	$15,000/mo-$25,000/mo __________________ $10,000/mo-$20,000	90, 180, 365, 730 days	2,5 yrs; to age 65	Unable to perform the material and substantial duties of own occupation and not gainfully employed. After 90 days of benefit payment, other disability benefits will be taken into account and benefit will be reduced by the amount of benefit over 100% or pre-disability earnings.	Income loss of at least 20% and are unable to perform all duties of own occ, but are performing one or more of such duties, or are engaged in another occupation. 1st 6 months- minimum benefits 50% ; loss greater that 80%= 100%.	War or act of war; commission or attempted commission of felony; intentionally self-inflicted injury; 24 month limitation for mental/nervous/substance abuse.	N/A.	4% simple increases. No option to retain increases when disability ends.
Northwestern Mutual Life QQDI	Yes/Yes/Yes	$10,000NC+$5,000GR I&P _____________________ Same as above	30, 60, 90, 180, 270, 365 days	2,5yrs; to age 65; to age 70	During Initial Period, Unable to perform the principle duties of own occ. Thereafter, unable to perform regular occ. And not gainfully employed. (Entire period own occ N/A to medical professions	Loss of time or duties and 20 % earning loss, (loss of income waived during the first 6 months if at least 20% loss of time). 1st 6 months-minimum benefits of 50%; losses 80% or greater treated as 100%.	Normal pregnancy or childbirth after 90 days; 24 month mental/nervous/substance abuse. Active military service, self-inflicted injury commission of crime, loss of license, incarceration.	Age 25,30,25,40,45, and 50 marriage, birth, adoption of a child, cancellation of group or 20% increase in pay. Can exercise if disabled, but payable for only subsequent disabilities.	CPI tied to 6% maximum compounded; no cap; upon recovery increases drop off monthly benefits.
Peterson	Yes/Yes/Yes	Update coming soon	30, 60, 90, 180, 270, 365 days.	Update coming soon.	Total Disability Monthly Benefits are payable when, due to sickness or injury you cannot perform the substantial and material duties of your regular occupation and you are under the regular care of a legally qualified physician.	Resulting from the same cause or causes are considered a new claim with a new benefit period if you have returned to your regular occupation, full-time, for six months or longer	This plan does not cover sickness, injury or death caused or contributed to by war, declared or undeclared, suicide, selfinflicted injury or poisoning, the taking of illegal or non-prescribed drugs, drunkenness or alcoholism, mental or nervous disorders. It does not cover subjective pain unless supported by objective medical findings or injuries or sickness sustained while committing or attempting to commit a crime.	Update coming Soon.	Will automatically increase the monthly benefit amount based upon the Consumer Price Index (CPI), but not to exceed 10% per year.
Principal	Non cancelable/Guaranteed Renewable.	Acts of war, Commissions of crime, Incarceration, Loss of license, Intentional self-inflicted injury, Active military duty, normal pregnancy	Recovery Benefits- When the insured returns to work full time, as long as there is at least 20% loss of income, a benefit proportional to loss of earning is paid. Recurrent Benefits- Disability resulting from the same or related cause, and not separated by a period of more then 6 months.	During the Occupation period, [2 years] the insured is unable to perform the substantial and material duties of his/her occupation and is not working	Available as riders. The insured ability to work is restricted and he/she has an income loss of at least 20%. During initial 6 months of residual disability, the minimum benefit pay is 50%. The full benefit is paid if the income loss is greater than 75%.	Acts of war, Commissions of crime, Incarceration, Loss of license, Intentional self-inflicted injury, Active military duty, normal pregnancy	Premium refund benefit, Capital Sum Benefit, Extended Total Disability Option, Lifetime Presumptive Disability Benefit	By Rider. Choice of 3% and 6% compounded annually. Upon recovery can keep increase benefits without medical or financial underwriting.	By Rider. Choice of 3% and 6% compounded annually. Upon recovery can keep increase benefits without medical or financial underwriting.
Standard of Oregon The Protector	Yes/Yes/Yes	$15,000/mo _____________________ N/A to MDs and Dentists	30, 60, 90, 180, 270, 365 days	2,5yrs to age 65	During own occupation period.The insure is unable to perform the material duties of his/her own occupation, and suffers a loss of at least 20% of earnings. During "any occupation" period: The insured is unable to perform the material duties of any occupation that insured is able to perform due to education, training or experience.	Loss of duties or restricted ability to work and 20% earnings loss ; benefits continue as long as minimum benefits- $300 losses greater than 75% treated as 100%.	War or act of war; normal pregnancy covered after 90 days; commission of felony, incarceration; 24 month maximum for mental/nervous/substance abuse.	Options every 3 years to age 55; no cap. Can exercise if disability but payable for only subsequent disabilities.	CPI tied to 3% simple maximum either 4% or 6% upon recovery may purchase increases.
Union Central 4401 Series	Yes/Yes/Yes	$15,000/mo-$20,000 __________________ $10,000/mo-$15,000/mo	30, 60, 90, 180, 365, 730 days	1,2,5yrs, to age 65	Unable to perform the material and substantial duties of your occupation and not engaged in any occupation.	Earning loss at least 20% and loss of time or duties; 1st 6 months minimum 50%; 75%=100%.	War, incarceration; self-inflicted injury; loss, suspension of professional license; normal pregnancy covered after 90 days; 24 month mental/nervous/ alcohol or drug abuse; 12 month while residing outside US or Canada.	Options every other year to age 50; total maximum increase 2X the base monthly benefit; may be exercised during disability, not payable during current disability.	CPI tied to 6% compounded; no cap; upon recovery right to purchase increases.
UNUM Provident Income Series 650/651	Yes/Yes/Yes Also Available in GR only 651	$10,000/mo-$15,000/mo __________________ $7,500/mo-$10,000/mo (multi-life only-5+ lives)	90, 180, 365 days	6mo, 1 yr, 2 yr, 3 yr, 5 yr; to age 65; to age 67	Unable to perform the substantial and material duties of usual occupation, and unable to engage in another occupation.	Loss if time or duties, plus a 20% loss of income.	War or act of war; intentionally self-inflicted injury; commission or to commit a felony or an illegal occupation; 24-month limitation on mental nervous. (ER sponsored cases may be extended to full benefit period).	Every other year to purchase a unit of increase; prior to age 42 may apply for up to one additional unit if not disabled.	CPI tied; min. of 2% simple and max. of 7% Upon recovery, increases may be purchased.

Disability Analysis Table for Doctors and Dentists (click here to see the table for California)

Insurance Company	Renewability: Can / Guarant. to 65 / After 65	Maximum Issue/Part Limits __________________ Special Medical Limits {Indiv.-w/Group LTD}	Elimination Periods	Benefits Periods	Definition of Total Disability {OWN-OCC?} Due to Sickness or Injury	Residual Disability Benefits Due to sickness or injury	Exclusions/Limitations	Future Increase Options	Cost of Living Living Adjustments	Key Selling Points
Berkshire Life	Guaranteed renewable/ non cancelable.	Classes 6.5.4.and 4p- The insured is unable to perform the major duties of his/her occupation in which he/she is engaged at the time of disability. [Insured can claim specialty]. Class 3 the insured is unable to perform major duties of his/hers occupation for 5 years. After that, not able to perform major duties of his/her occupation and not work at any other occupation.	Classes 6, 5, 4, 4P, and 3-Availabe as Riders in 2 versions: (1) the insured is working and has at least a loss of 20% in income. No loss of time or duties is required. (2) Same as the above but has a maximum benefit of 2 years. The residual benefits is payable if the income loss is 20%, as long as the benefit is at least $500. If the income loss exceeds 75%, the full monthly benefit is payable. On both riders the first six months benefits will be less than 50%. Class 2 and 1- Riders are not available.	There is no separate recovery benefit. Recovery is paid through residual riders. Insured is recovered and back to work full time with at least 20% loss of income as a result of prior injury or illness. Benefits can be payable to maximum benefit period.	To age 65 or longer: Benefits are paid for a disability resulting from the same or related cause, which occurs with in 12 months of the prior disability, as long as the recurrence is prior to the age of 60. If the insured has received benefits, the recurrent feature changes form 12 months to 60 months. In all other instances, if disability occurs within 6 months.	Based on the CPI. The maximum increase will be 3% or 6%. If the claim ends prior to age 65, the benefits will include increases with no extra premium charged. At age 65, this increase becomes the insured's option.	This option period is each year on the anniversary date. Until age 45, insured may buy all or part of the total increase option. The insured can buy 1/3 of the total increase option after the age 45. The option can be exercised during disability, and will take effect immediately for the current disability [must satisfy waiting period].	Policy suspended on the date insured goes on active duty. Pre-existing condition [undisclosed] that begin in the first 2 years of the policy. Benefits will not be paid during any period of incarceration or for any disability caused by, contributed to, or which resulted in a surrender suspension or revocation of your professional or occupational license or certification.	Capital Sum Benefits, Unemployment Premium Option Waiver Rider, Group Disability Insurance Replacement Rider.	Offer a "true own occupation contract" (Classes 3, 2, and 1; 5 year own-occ) Participating Contract. Specialty considered an occupation under certain conditions.
Fidelity Security	Non cancelable/ Guaranteed Renewable [Guaranteed renewable only option available].	During the Occupation period, the insured is unable to perform the substantial and material duties of his/her occupation and is not working.	Must be able to perform one or more, but not all principle duties of their regular occupation or is unable to spend as much time at the regular occupation as before disability began, has 20% loss of income and is gainfully employed in an occupation.	When the insured returns to work full time, the benefits is payable up to 12 months, as long as there is at least a loss of 20% in income.	A disability that occurs within 6 months after the end of the previous disability that is due to the same or related cause.	Based on the CPI. The maximum increase will be 3% or 6%. If the claim ends prior to age 65, the benefits will include increases with no extra premium charged. At age 65, this increase becomes the insured's option.	The option can be exercised during disability, and will take effect immediately for the current disability [must satisfy waiting period].	Ineligible Occupations: Car Washer,Domestics,Explosive handlers, Firework manufacturing, Furnace personal, High window Cleaners, Judo &Karate instructors, Kitchen Help, Migratory workers, Oil &Natural Gas workers,Powerline Splicers,Racing Drivers, Rodeo Riders, Steeple Jacks, Street Vendors, Structural Iron Riggers, Taverns [Non Magmt.Personnel] Test Pilots, Tree Toppers, Tower Erectors, and Underground Coal Miners.	Own Occupation Extension Rider, Hospital Indemnity Rider, Partial Disability rider, Accidental Death &Dismemberment Rider, and Home Health Care Benefit Rider.	Different Riders available [extra cost].
Guardian Life	Non Cancelable/Guaranteed Renewable to age 65.	Classes 6, 5, 4 and 4P. When you are disabled we will pay the monthly indemnity as follows: You must become totally disabled while the policy is in force. You must remain so disabled for the length on the elimination perdio.No indemnity is payable during that period. After that monthly indemnity will be payable at the end of each month while you are totally disabled. Monthly indemnity will stop at the end of the benefit period or, if earlier, on the date you are no longer totally disabled.	We will not pay benefits for normal pregnancy or childbirth during the first 3 months of total or residual disability or elimination period, if longer. You may be totally or residually disabled to satisfy the elimination period under the benefit provisions of the policy or rider. You may be totally or residually disabled to meet the condition for waiver of premium of the policy.	If you enroll in a rehabilitation program while your are totally disabled, we will pay a benefit to meet some of the costs you may incur. All of the following conditions apply. Agreement must be made in writing that the insured is in a program, the program must be a formal plan of retraining that will help you to return to work in your occupation, It must be directed by an organization or individual who is licensed or accredited to provide vocational training or education to persons who are totally disabled, we will pay only those costs which are not otherwise covered by the health care insurance, workers compensation, or any public fund or program.	If disabled twice in five years the second deductible, 90 day or whichever period is chosen will be waived.	3% Compound 6% CPI (Consumer Price Index.	After the age of 65 you may renew this policy at the end of each term as long as you work full time. There is no age limit. But you must be on a class basis on any policy anniversary.	Can no live more then a year outside the country and collect benefits. If insured does so, benefits are cut off. Benefits will not be during any period of time which you are incarcerated or for and disability caused by, contributed to, or which results from the suspension, revocation or surrender of your professional or occupational license or certification.	Residual Disability Rider, Two year Residual Disability Rider Cost of Living Adjustment Rider, Future Increase Option Rider, Automatic Increase Rider, Group Disability Insurance Replacement Rider, Unemployment Premium Waiver Option Rider.	Many Choices of Different Riders.
Mass Mutual (FlexElcet)	Non Cancelable/Guaranteed Renewable.	During the first 24 months: The insured is under a doctor's care, cannot perform main duties of his/her own occupation and is not gainfully employed. After 24 months: Insured is under a physicians care, cannot perform any occupation for which he/she is suited by training, education or experience.	Available through the Recovery Incentive Benefit Rider, The insured is able to perform some, but not all main duties of his/her regular or new occupation, and is not working more than 50% of the normal schedule. The benefit is 50% of the total disability monthly benefit amount with a minimum benefit of $150.	Available through the Recovery Incentive Benefit Rider. The Insured has been disabled {partial and/or total}, has received benefits for at least one month but not more than 12 months, is fully recovered, and is working full time. Benefit paid is a lump sum payment equal to two times the average monthly benefit paid while disabled.	A disability that occurs within six months after the end of a previous disability that is due to a same or related cause.	Benefit increases start with the second year of disability-3% compounded, with no cap. The additional Benefit can be purchased, without evidence of medical or financial insurability upon recovery. (Rider available at additional cost).	N/A	Normal Preganacy,war,acts of war, commission of or attempt to commit crime; intentional self-inflicted injury;incarceaton,suspension,recovation or surrender of professional or occupational licsense;24-minth lifetime aggregate for mental/nervous disorders.	Social Insurance Rider, Right to apply for benefits included in included in base policy. Catastrophic Disability Rider, Long term care credit Endorsement. (Rider available at additional cost).	Competitive Rates, Cost- Effective alternative to Radius, for incomes $30,000-$70,000. Can be used to fund a tax-qualified sick pay plan. Offers variety of waiting & benefit periods to meet consumers need. Catastrophic Disability Rider, Long Term Care Credit Endorsement.
Mass Mutual (Radius)	Non cancelable/Guaranteed Renewable.	The insured cannot perform the main duties of his/her own occupation due to an injury or sickness and is not working another occupation. The insured is under a doctor's care.	Available through the Extended Partial Disability Rider. The insure is working in his/her own occ., or a new occ, and has an income loss of at least 20%. There is no loss of time or duties required. After the elimination period, a benefit will be paid if the insured has an income loss of at least 20%. For the first 12 months of disability, the minimum benefit is 50%. The full benefit is payable when the income loss exceeds 75%.	Available under the Extended Partial Disability Rider. The benefit is paid after the insured returns to work full time with at least 20% loss of income. The benefits is payable, up to the maximum benefit period chosen, as long as there is a demonstrated relationship between the prior disability and the loss of income.	To age 65:A related disability which starts less than 12 months after a return to work, or an unrelated disability that starts less than 30 days after a return to work. 2-year, 5-year, or 10-year. (Available only on Radius 01 series) Benefit periods: A related disability is six months; an unrelated disability is 30 days.	The Benefit increases start with the second year of disability-3% compounded, with no cap. The additional benefits can be purchased, without evidence of medical or financial insurability upon recovery. (Rider available at additional cost).	The option period is once each year, 90 days prior to anniversary. The minimum issues amount is $500. The Maximum is 2x Base up to $5,000. After the age 50, the maximum benefit per option reduces to 50% of the base policy. The amount of the FIO pool is chosen at issue. The issue and participation limits are guaranteed. The new benefits cannot be received while disabled.	War declared or undeclared. Normal Pregnancy. The policy is suspended if insured enters military for more than 90 days. Undisclosed pre-existing conditions.24 month mental/nervous limitation for each period of disability, unless hospital-confined (no aggregate lifetime limit).	Group Supplement Rider, Managerial duties Endorsement, HIV rider, RetireGuard, Automatic Addition Benefit Increase Rider, Catastrophic Disability Rider, and Long Term Care Credit Endorsement. (Rider available at additional cost).	Competitive Rates, Group Supplement Rider and RetireGuard, Participating Policy (dividend paying, but not guaranteed) Full Recovery Benefit, Catastrophic Disability Rider, Long Term Care Credit Endorsement.
MetLife	Essential- Guaranteed Renewable Select/Advantage/ Non cancelable/Guaranteed Renewable.	During Initial Point: The insured is under a physicians care, can not perform material or substantial duties of his/her occupation and is not gainfully employed After Initial Period: Insured is under a physicians care, can not perform any occupation which is reasonably fitted, and is not gainfully employed.	The insured must have a loss of time (<80%) or is unable to perform duties or is suffering an income loss of 20%, or is engaged in another occupation. Benefits is a percentage of monthly benefit for total disability based on loss earnings, During first six months, the minimum residual benefit will be 50% of the total benefit.	Benefits are paid when the insured returns to work in his/her own occupation, as long as there is a 20% loss in income.	To age 65 benefits period: A related or unrelated disability, but must have been not gainfully employed for at least 30/hrs per week for at least 12 months following disability period. Shorter benefit period: A related or non related disability, but must have not been gainfully employed for at least 30/hr per week for at least 6 months following disability.	Tied to CPI. Minimum increase 1%, maximum increase 7%; purchase option is at the end of benefit period by choice.	This option period is every year up to age 51. The minimum benefit increase is at $200. Insured must meet earning standards and not be disabled.	Normal pregnancy, war, acts of war, felony, intentional self -inflicted injury, incarceration: select 24-month lifetime aggregated for mental/nervous disorder.	Social Insurance Rider, Lifetime Monthly Benefit Rider, Refund or Premium Rider, Family Assistance Benefit Rider, Childcare/Eldercare Rider.	Flexibility of three different policies, option to purchase LTC rider option, variety of Riders.
Northwestern Mutual	Non Cancelable/Guaranteed Renewable.	Insured is totally disabled when both unable to perform the principle duties of his/her regular occupation and not gainfully employed in any occupation and is under a physicians care. If the insured meets the "own occupation" definition of disability and chooses not to work in any other occupation, a full monthly benefit will be paid. Classes 5A and 6A [in non medical markets] can choose an Extended Initial Period Level [at additional cost] [coverage for own occupation] which matches the benefit period. The 2 year Initial Period Rider [at additional cost] is available to occ classes 6A, 5A, 5M, 4M& 2M [M occ refers to medical community] and provide 2 years of "own occupation" coverage. The Any Occupation Rider [at additional cost] definition of disability is available to any occupational classes, provides coverage for 2 years if insured meet "own occupation" definition; after 2 years "any occupation" definition applies.	Part of base contract. Must be able to perform one or more, but not all principle duties of their regular occupation or is unable to spend as much time at the regular occupation as before disability began, has 20% loss of income and is gainfully employed in an occupation.	When the insured returns to work full time, the benefits is payable up to 12 months, as long as there is at least a loss of 20% in income.	To age 65: The same or a disability occurs within 12 months. 2-year/5-year: The same or a disability occurs with in 6 months.	Based on CPI and the percentage of benefit [between 1% and 100%] chosen at application. The benefits will not decrease if the CPI decreases. The maximum is 6% compounded annually. The insured can not purchase additional insurance upon recovery.	The option period is 3 years up to the insured 52nd birthday. The minimum purchased about is $200. The maximum is lesser of the "amounts each purchase" amount or aggregate remaining. No special purchase provisions.	Acts of war, Commissions of crime, incarceration, loss of license, 24-month lifetime aggregate for mental.nervouse disorder.	Deferred Disability Benefit- each month of disability, 10% of the amount otherwise payable will be deferred and put into an annuity.	Availability to own occ riders, Residual benefit available without rider, deferred disability annuity, Participating Policy [dividend paying, but not guaranteed].
Pan American	Non Cancelable to age 65 at guaranteed premiums.	If total disability begins while policy is in force and lasts longer than then Elimination Period, we will pay the Monthly Benefit for each additional month Total Disability continues beyond the Elimination Period. For any portion of a month for which benefits are payable, a pro rata share of benefit will be paid. The pro rata share is based on a thirty day month.	If you qualify for Residual Disability benefits under the policy while this rider is in force, an adjusted monthly benefit will be paid for each month Residual Disability continues. The adjusted monthly benefit for a month will equal the monthly benefit tomes the loss income.	If you experience income loss after returning to work fill time after recovery from a disability for which a monthly benefit under a contract was payable we will pay a Return to Work Benefit. The benefit will begin on the day after your disability ends. The monthly amount will equal the Monthly Benefit times the Income Loss. We will pay this benefit for up to three months, but will not pay it beyond the Maximum Benefit Period beyond the age 65.	To age 65 benefits period: A related or unrelated disability, but must have been not gainfully.	3%-6% Based on CPI.	N/A.	Acts of war, Commissions of crime, incarceration, loss of license, Suicide or intentional self-inflicted injury or poising.	Flexibility of different policies, variety of Riders.	Various Riders available.
Peterson	Essential- Guaranteed Renewable.	Benefits will be paid to you when due to sickness or injury you no longer have the ability to perform the substantial and material duties of your regular occupation.	Benefits will be paid when you are engaged in your occupation and your income is reduced due to a disability by 20% or more. Then benefit will be calculated by multiplying the monthly benefit by the percentage of reduced income compared to the average income for the preceding twelve months at the time of disability.	Benefits are paid when the insured returns to work in his/her own occupation, as long as there is a 20% loss in income.	Benefits will be paid for disabilities resulting from the same cause or causes and are considered a new claim with a new benefit period if you have returned to you regular occupation, full time, for six months or longer.	Will annually automatically increase the monthly benefit amount based upon the Consumer Price Index, but not to exceed 10% per year.	N/A.	Suicide or intentional self-inflicted injury or poising, War, Declared or undeclared, While committing or attempting to commit a crime. Taking of illegal or non-prescribed drugs, or misuse of prescription drugs, Mental or Nervous Disorder,Pre-Existing Condition, Pregnancy or Pregnancy related conditions, Subjective pain or other symptoms unless supported by objective medical findings, and Nuclear, biological or chemical exposure as a result of war, declared or undeclared terrorism.	Options of Residual Benefits and Optional Cost of Living Adjustment.	Many riders available [extra cost].
Principal	Non cancelable/Guaranteed Renewable.	During the Occupation period, [2 years] the insured is unable to perform the substantial and material duties of his/her occupation and is not working.	Available as riders. The insured ability to work is restricted and he/she has an income loss of at least 20%. During initial 6 months of residual disability, the minimum benefit pay is 50%. The full benefit is paid if the income loss is greater than 75%.	When the insured returns to work full time, as long as there is at least 20% loss of income, a benefit proportional to loss of earning is paid.	Disability resulting from the same or related cause, and not separated by a period of more then 6 months.	By Rider. Choice of 3% and 6% compounded annually. Upon recovery can keep increase benefits without medical or financial underwriting.	The Option Period is every three years, after a review, the maximum is based on earnings and I&P limits. The Advance Option allows review of benefit amount in event of group LTD loss, and the opportunity to increase benefits at the time.	Acts of war, Commissions of crime, Incarceration, Loss of license, Intentional self-inflicted injury, Active military duty, normal pregnancy.	Premium refund benefit, Capital Sum Benefit, Extended Total Disability Option, Lifetime Presumptive Disability Benefit.	Lifetime Presumptive Disability Benefit possible, Extended Total Disability Option, Premium Refund Option, Capital Sum Benefit.
Standard Life	Guaranteed renewable. (Non cancelable rider available).	During own occupation period: The insured is unable to perform the material duties of his/her own occupation, and suffers a loss of at least 20% of earning. During "any occupation" period: The insured is unable to perform any material duties of any occupation that insured is able to perform due to education, training and experience.	Part of Base contract. The benefits will be maximum monthly benefit ratio. If income loss exceeds 80%, the full monthly benefit will be paid.	Optional monthly recovery benefit paid for period selected if actively at work on a full time basis and loss of income at least 20%. Amount paid based on loss of earning ratio time the maximum monthly benefit.	Defined as ceasing to be disabled for no longer than the applicable allowable periods: -During the benefit waiting period: a total of 30 days of recovery -During the maximum benefit period: 180 days of each period of recovery.	By rider [at additional cost]. Compounded, tied to CPI. 6% annual maximum increase. Cap is 200% of monthly benefits. Benefits do not increase if CPI declines. No right to retain increase upon recovery.	The FIO (at additional cost) can be exercised annually [60 days prior to option date]. The maximum amount for each option varies. The minimum is $200. Benefits not payable for disability existing when new policy is purchased.	War, acts of war, felony, intentional self-infliction injury, incarceration, loss of license, 24 or 60 month lifetime aggregate for mental/nervous disorder.	Work Earning Modification Rider, Catastrophic Benefit Rider, Other Limited condition Rider, LTD Insurability Option.	Flexibility of non cancelable option, lifetime presumptive disability benefits possible, LTD Insurability Option, Variety of Riders.
Unum Provident	Non cancelable/ Guaranteed Renewable [Guaranteed renewable only option available].	During first 2 years: The insured can not perform material or substantial duties of his or her own occupation and is not gainfully employed. After Initial Period: Income I: Insured is unable to work at any occupation Income II: Insured is unable to work at any occupation that can be expected to generate at least 60% earnings. Income III: Insured in unable to perform material and substantial duties of his/her own occupation, and is not working another occupation.	The insured must have at least 20% earning loss while engaged in the insured's or any other occupation. During the initial 3 months (Income I) 6 months, (Income II) 12 months, (Income III) of residual disability, the Work Incentive Benefit is equal to the pre-disability earnings less the current work earnings, but not to exceed the total monthly benefits.	Income I - No Benefits Income II- Included in the base plan- maximum benefit period is 6 months Income III- Included in the base plan- maximum benefit period is 12 months.	A disability that occurs within 6 months after the end of the previous disability that is due to the same or related cause.	Tied to CPI. Minimum increase 2%, Maximum increase 7%, additional benefits can be purchased upon recovery with not medical or financial underwriting.	The option period is each even numbered anniversary of the effective date.	Normal Pregnancy, war, acts of war, felony, intentional self-inflicted injury, illegal occupation, loss of license, 24-month lifetime aggregate for mental/nervous disorder.	Lifetime Continuation Rider, Lifetime Continuation Option Increase Rider.	Flexibility of three different policies, Availability of conversion to long term care policy.