As a result of our ongoing market research, the following increases are available immediately:
• New $17,000 Issue Limits for Medical/Dental Classes 6M-3M and Class 4*
• Maximum Participation with IDI now $25,000 for Occ. Classes 6M-3M, 6-4*
• Higher Special Limits for Oral Surgeons, Orthodontists, Dental Specialty School Students, and Medical Residents
Note: Issue and Participation limit increases are not available in CA.
*Maximum issue and participation limits are reduced when there are Lifetime Benefits either applied for or in force. See the Underwriting Guidelines section of the Product Manual for details.
For Medical Classes:
• New $17,000 issue limit for Classes 6M-3M — Write more base coverage and more FIO!
• Maximum participation with IDI increased to $25,000
|
Occupation Class |
Issue |
Maximum |
Participation |
Participation |
|
6M, 5M |
18-55 | 17,000 | 25,000 | 25,000 |
| CA Only 18 – 55 | 16,000 | 20,000 | 25,000 | |
| 56-60 | 15,000 | 15,000 | 15,000 | |
| 61+ | 10,000 | 10,000 | N/A | |
|
4M, 3M |
18-55 | 17,000 | 25,000 | 25,000 |
| CA Only 18 – 55 | 16,000 | 20,000 | 25,000 | |
| 56-60 | 10,000 | 15,000 | 15,000 | |
| 61+ | 10,000 | 10,000 | N/A |
For Non-Medical Classes:
• New $17,000 issue limit for Class 4
• Maximum participation with IDI increased to $25,000 for Classes 6-4
|
Occupation Class |
Issue |
Maximum Limit |
Participation With IDI |
Participation With Grp. LTD |
|
6, 5 |
18-55 | 20,000 | 25,000 | 30,000 |
| CA Only 18 – 55 | 16,000 | 20,000 | 25,000 | |
| 56-60 | 15,000 | 15,000 | 15,000 | |
| 61+ | 10,000 | 10,000 | N/A | |
|
4 |
18-55 | 17,000 | 25,000 | 25,000 |
| CA Only 18 – 55 | 16,000 | 20,000 | 25,000 | |
| 56-60 | 15,000 | 15,000 | 15,000 | |
| 61+ | 10,000 | 10,000 | N/A |
Higher Special Limits For New Professionals:
• Write More Coverage and More FIO
| Program Limit and CAT Rider Amount | Future Increase Option Limit | RPP Limits | Total Amount of Potential Coverage | |
| Orthodontist | 7,500 | 9,500 | 700 | 25,200 |
| Oral Surgeon | 7,500 | 9,500 | 1,000 | 25,500 |
| Dental Specialty School | 4,000 | 12,000 | 20,000 | |
| Medical Resident (all years) | 5,000 | 12,000 | 22,000 |
