Retroactive Injury Benefit Rider Help
This rider provides a lump sum benefit in addition to the monthly income benefit. If an injury causes the insured to become totally disabled within 30 days of such injury, and the insured is continuously totally disabled from the date of the injury until the end of the elimination period shown on the policy schedule, we will pay a benefit. The benefit is a lump sum amount equal to the total disability monthly benefit shown on the policy schedule times the number of days in the elimination period divided by 30. We will pay the benefit at the end of the elimination period.