Optional Benefit Riders – Competitor

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

• 24-Hour Injury Protection Rider – Pays a monthly benefit while you are disabled due to injury that occurs any time of day, on or off the job.
• 24-Hour Sickness Protection Rider – Pays a monthly benefit while you are disabled due to sickness that occurs any time of day, on or off the job.
• Long Term Injury Protection Rider – Extends your benefit period to age 70 if you are totally disabled due to injury when the benefit period on your basic policy expires. A rehabilitation program benefit is also available.
• Hospitalization Benefit Rider – Pays $25 to $200 per day while you are hospitalized due to injury, and if the 24-Hour Sickness Protection Rider is included, sickness.
• Accidental Death and Dismemberment Rider – Pays you or your estate a lump sum for loss of: life; sight of 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.
• Business Overhead Protection Rider – Reimburses your share of eligible overhead expenses provided your business suffers a net loss after deduction of all business expenses allowed under the Income Tax Act (Canada) due to your being disabled.

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