This policy has exclusions, limitations and terms under which the policy or options may be continued or discontinued. For costs and complete details of the coverage, contact your insurance agent or Illinois Mutual.
Options have an additional cost. Availability of some features and options may vary by state and occupation class.
Any offer of coverage is subject to underwriting.
Policy Form DI105, Disability Income Policy; Policy Form 9252, Automatic Increase Benefit Rider; Policy Form 9259, Activities of Daily Living Rider;
Policy Form 9253, Retroactive Injury Benefit Rider; Policy Form 9266, Return of Premium Rider; Policy Form 9267, Guaranteed Insurability Option Rider;
Policy Form WSA07, Voluntary Accident Policy
Not available in AK, DC, CA, HI or NY. May not be available in other states.
Pre-Existing Condition Limitation*
During the first 2 years after the Date of Issue, this Policy will not pay benefits:
(1) for any conditions diagnosed or treated by a physician within 2 years prior to the Date of Issue; or (2) for any condition which caused symptoms within 2 years prior to the Date of Issue that would have caused an ordinarily prudent person to seek medical diagnosis, care or treatment.
Exceptions and Reductions*
We will not pay benefits for disability that results (a) from normal pregnancy or childbirth; (b) from intentionally self-inflicted injury or sickness; (c) from your commission or attempted commission of a felony; (d) from war, declared or not; (e) from any military service, except during active duty for trainingof less than 60 days. The pro rata premium will be refunded for a period during which you are not covered for such military reason; or (f) we will not pay benefits while you are incarcerated in any penal or correctional institution.
*May vary by state
†Total Disability Total Disability for any one period of disability starting while this policy is in force means:
a)During the first 24 months, your inability to perform the substantial and materials duties of your occupation and you are not engaged in any occupation for wage or profit.
b)After 24 months, your inability to perform the substantial and material duties of any occupation for wage or profit in which you might be expected to be engaged, with due regard to your education, training, experience and you are not engaged in any occupation for wage or profit.
Limited Benefits for Mental or Nervous Disorders, Alcoholism or Drug Abuse. The total amount payable under the policy for total disability caused or contributed to by a mental or nervous disorder or alcoholism or drug abuse shall not exceed a cumulative lifetime maximum of 24 months.
Limited Benefits for Foreign Travel
If totally disabled due to an injury or sickness sustained or continued while outside of the United States, Canada or Mexico, the Maximum Total Disability Benefit Period will be limited to 90 days. After the 90 day period, benefits will not be paid until returning to the United States, Canada or Mexico. Any benefits paid will be deducted from the remaining period of disability if you are still Totally Disabled upon your return to the United States, Canada or Mexico.