Business Expense Disability Income Protection
State - Click the state field with your mouse and select your state from the list that appears.
Your Age - Click the age field with your mouse and select your age from the list that appears.
Sex - Click the sex field with your mouse and select your sex from the list that appears.
Tobacco User - A Tobacco User is anyone who has used ANY tobacco product in the previous 12 months.
DI Occupation Class -
Class 1, 2 year own occupation - Occupations where the duties include technical or trade functions that may require heavy manual labor or services, continual physical dexterity and hazardous environmental exposure. Basic skills or training is required. Typically, longer periods of recuperation from disability are required. Examples include most cosmetologists, factory laborers, firemen, policemen, and long-haul truck drivers.
Class 2, 2 year own occupation - Occupations where the duties include semi-professional, skilled trade or technical functions that may require continual physical dexterity and manual labor or services. Specialized training or skills are required. Examples include most carpenters, electricians, farmers, mechanics, plumbers and local delivery drivers.
Class 3, 2 year own occupation - Occupations where the duties include professional, semi-professional, supervisory or technical functions that may require on-site supervision, moderate physical dexterity with little or no manual labor or services. Typically, specialized training or experience is required. Examples include most cashiers, dental hygienists, medical technicians and on-site supervisors.
Class 4, 2 year own occupation - Occupations where the duties include professional and specialized technical functions that may require physical dexterity with little or no manual labor or services. Typically, advanced or specialized education, training or experience is required. Examples include surgeons, dentists and nurse practitioners.
Class 5, 5 year own occupation - Occupations where the duties are limited to administrative, professional, managerial and clerical with no manual labor or service demands and minimal physical dexterity demands. Typically, advanced or specialized education, training, or experience is required. Examples include most accountants, actuaries, bookkeepers, computer analysts, draftsmen, and secretaries.
Monthly Benefit - Includes the overhead expense actually incurred such as rent, utilities, employee salaries, property and payroll taxes, property and liability insurance.
Existing BE Coverage – Enter the amount of any existing Business Expense coverage you currently have.
Elimination Period - The Elimination Period is the initial time period used to establish eligibility for benefits if disabled. Elimination Period options in this proposal system include 30 Days, 60 Days and 90 Days. Not all Elimination Periods are available to all occupational classifications or benefit periods. Premiums will have a tendency to decrease as the Elimination Period increases in duration.
Benefit Period - The Benefit Period is the period of time for which benefits are payable. Available Benefit Periods include 12, 18 and 24 months. Not all Benefit Periods are available for all occupational classifications. Premiums will have a tendency to increase as the Benefit Period increases in duration.