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Catastrophic Benefit

The reality of disability is that assistance with the normal activities of daily living may be needed.  One current trend in the industry is to offer an optional feature that will pay additional benefits if an insured becomes severely disabled and needs assistance with two or more of the Activities of Daily Living (ADL) during their working years. This important extra-cost rider can now be added to an individual plan and will provide additional Long Term Care type benefits to clients who are still in their working years.  See the Sales & Marketing Ideas file in Broker Resources.


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