Activities of Daily Living

1. Bathing

2. Continence

3. Dressing

4. Eating

5. Toileting

6. Transferring

Receiving your benefit

Generally, the rider needs to be in force for a period of two years. There is an annual limit on the amount of benefits you can receive. There is also a lifetime limit on the amount of benefits you can receive across all Accelerated Benefits Riders.

Here if you need it

Note that you do not have to be in a licensed facility to receive payments, and that you can apply for benefits every 12 months. Benefits can be used for any reason (with 1 state exception), and do not need to be used for medical expenses.

If you should need it, and you qualify, after the waiting period you can:

• Accelerate portions of your death benefit every year to receive benefit payments.

• Leave the policy intact for your beneficiary.