Optional Benefit Riders – Professional

You can customize your Professional disability insurance protection to meet your particular needs with the following optional benefit riders.

• Own Occupation Protection Rider – Pays a monthly benefit while you are totally disabled in your regular occupation even if you are working in another occupation.
• Return of Premium 50% Rider – Returns 50% of the annual eligible premium paid or waived under your policy on certain dates if you are not disabled and your claims have been minimal.
• Return of Premium – Surrender 50% Rider – Returns a portion of the eligible premium you paid if you surrender your policy on one of the optional surrender dates.
• Limited First Day Accident Rider – Pays a benefit starting the first day of total disability from an off-the-job injury, subject to certain limitations and exceptions.
• Cost of Living Adjustor Rider – Helps protect your benefit from inflation while you are disabled.
• Future Earnings Protector Option Rider – Provides the opportunity to increase your monthly benefit, regardless of changes in your health.
• Future Savings Protector Rider – Pays a monthly benefit into a savings vehicle made available by Great-West if you are receiving the total disability benefit and you aren’t working in any gainful occupation.
• Lifetime Accident and Graded Sickness Benefit Rider – Pays a monthly benefit from age 65 for life while you remain totally disabled.
• Accidental Death and Dismemberment Rider – Pays you or your estate a lump sum for loss of: life; sight in both eyes; both hands; both feet; one hand and one foot; or the use of both hands or both feet, or of one hand and one foot.
• Health Care Rider – Pays a benefit if you contract HIV, Hepatitis B or Hepatitis C and legislation or regulations prohibit you from performing your occupation.

We’ve built many valuable features into the basic Professional plan. For more details on the Professional plan, see our At a Glance brochure or contact your financial security advisor.