Living Benefits

Qualifying Events

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  Terminal Illness

  Generally, if you have been diagnosed with a terminal illness that will result in death within 24 months (12 months in some states) of certification of the illness by a physician.

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  Chronic Illness

  A doctor has certified, within the past 12 months, that you are unable to perform two out of six “activities of daily living” for a period of at least 90 consecutive days without assistance, or that you are generally cognitively impaired.

  Activities of Daily Living:

  • Bathing • Continence • Dressing • Eating • Toileting • Transferring
• 

  Critical Illness

  Critical Illness includes:

  • ALS (Lou Gehrig’s disease) • Aorta Graft Surgery • Aplastic Anemia • Blindness • Cancer • Cystic Fibrosis • End Stage Renal Failure • Heart Attack • Heart Valve Replacement • Major Organ Transplant • Motor Neuron Disease • Stroke Sudden Cardiac Arrest
• 

  Critical Injury

  Critical Injury includes:

  • Coma • Paralysis • Severe Burns • Traumatic Brain Injury
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  Living Benefits can be used for, but are not limited to:

  • Household expenses • Regular bills • Home modifications • Quality of life expenses • Nursing home care • Lifelong dream vacation • Adult day care