The Standard will help you protect your salary, up to 66%, should you become disable as a result of a covered accident or illness. The plan has various waiting periods depending on your own personal needs. Coverage is Guaranteed Issue and requires no medical underwriting. Coverage can be elected increments of $100 up to 66% of your salary. There are two plans to choose from. Option 1 is the plan that pays up to age 65 for Accident and Sickness and Option 2 will pay up to age 65 for accident and 3 years for sickness.
The elimination periods, or waiting periods, available are 0/7, 14/14, 30/30, 60/60,90/90, or 180/180. Benefits may also be paid for up 90 days even if you have a preexisting condition on elections of $300 or more.