90 days. This is the number of days following the start of disability before benefits become payable.

Options of “to age 65” or “to age 67”. This is the maximum period of time for which you may receive benefit payments for a continuous disability. Refer to your policy's Schedule of Maximum Benefit Periods for details.

Our enhanced definition starts with our strong True Own-Occupation Definition of Total Disability. If totally disabled, it gives a physician the flexibility to be gainfully employed, sometimes even in their own practice, and still receive total disability benefits. Then, we add a straightforward, easy-to-understand formula to qualify for benefits. It’s based on your earnings source and provides more ways to qualify for total disability benefits.

Yes, with a 15% loss of income trigger, or time or duties. A unique loss of income feature for the first 12 months, after satisfying the waiting period, with the Residual Disability Benefit

Your increases in income can qualify you to purchase increased coverage at three-year intervals, subject to issue and participation limits — without having to provide medical information. You’ll be asked to provide information about your income and other disability coverage, and we may offer a benefit increase up to the maximum amount you qualify for.

You may be eligible to increase your coverage earlier than the three-year interval via the Accelerated Option.

Future Increase Option (FIO) allows you to increase your coverage in the future and can be evaluated on each policy anniversary.

Your premiums will be waived while disability benefits are payable under the policy.

Your premiums and policy provisions will be locked in for the duration of your policy. We won't cancel your policy, raise your premium rates or reduce your coverage as long as you pay the premiums on time.

If you were to suffer a catastrophic injury or sickness, such as one that prevented you from performing two or more activities of daily living (e.g., bathing, dressing or eating) without assistance, or if you suffer severe cognitive impairment, the Catastrophic Disability Benefit Rider would pay a monthly benefit, in addition to the total disability benefit, which can help offset the cost of additional expenses or care.

To help your benefits keep pace with inflation, the Indexed Cost of Living Benefit Rider can increase your basic monthly benefit annually by up to 3% fixed, 6% max, or a 4 year delayed option.

If you become totally disabled, Guardian will pay you a student loan benefit in the amount you paid under your student loan agreement, up to a stated maximum amount.