Optional Benefit Riders – Protector

You can customize your Protector disability insurance protection with the following optional benefit riders:

• Regular Occupation Period Extension Rider – Extends the regular occupation definition of total disability in the basic policy from 24 months to the end of your benefit period.
• 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.
• Partial Disability Rider – Provides an income while you are partially disabled for up to 24 months.
• Enhanced Partial Disability Rider – Provides an income while you are partially disabled to the end of your benefit period. After the first year of receiving partial disability benefits, you may choose between receiving the partial disability benefit, which covers loss of time or duties, or the enhanced partial disability benefit, which covers loss of income.
• 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 choose to surrender your policy on one of the optional surrender dates.
• First Day Accident Rider – Pays a benefit from the first day of a disability due to injury.
• 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 Protector plan. For more details on the Protector plan, see our At a Glance brochure or contact your financial security advisor.