With the Residual Plus, both total and residual disability days count toward your waiting period, even if non-consecutive. For example, with a 90-day waiting period, you can qualify for partial benefits if you are disabled for any 90 out of 180 days. This option will allow you to use days when you are partially disabled and showing a loss of income of at least 20% to fulfill your waiting period.

In addition to being renewable through age 64, benefits include:

• Recovery benefit
  If you fully recover and return to work full-time, you may continue to receive a monthly benefit for up to three months if you still suffer an income loss of 20% or more.
• Liberal definition of loss of income
  For the first 90 days of residual disability, lost income is based on a 20% drop in billables rather than receivables, allowing benefit payments to potentially begin sooner.

This optional enhancement allows your benefits to automatically increase keeping pace with the cost of living.

In addition to being renewable through age 59, why select this option?

• COLA is particularly beneficial for long-term disabilities that extend for several years or even decades.
• Adjustments to the annual benefits are based on increases in the Consumer Price Index (CPI), with an annual maximum adjustment of 9%.

Coverage needs may change over time. This optional coverage lets you increase your benefits as your income grows, without a medical exam (subject to financial underwriting and a $15,000 plan maximum).

In addition to being renewable through age 54, advantages of this option include:

• Get an additional $1,000 in coverage every 12 months, up to a maximum increase of $5,000, without providing proof of good health.