We offer Accelerated Death Benefits for Terminal Illness and Chronic Illness which give clients an option to access a portion of their death benefit early. This money can provide a little more comfort during a difficult time or can be used to help cover the costs of long-term care.

For the Chronic Illness Rider, the benefit amount is capped each year by the IRS per diem limit. For 2020, this limit has increased to $380 per day (or $138,700 for the year).

The following materials have been updated to reflect the extension of the per diem limit into 2018:

• Accelerated Death Benefit Riders flyer (including a sample benefit calculation):
  National version • California version
• Accelerated Death Benefit Rider FAQ

If you have additional questions on how the Accelerated Death Benefit Riders work, please contact sales support at 1-800-693-6083 or your Sales Director.
 

Chronic Illness Rider Materials Updated for 2020
 

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