Is a waiver of premium provision included?
If you have been totally or partially disabled for 90 consecutive days, any further premium payment will be waived while you remain disabled. What other provisions or features are included? Other provisions and features included in the BCMA Disability Income Insurance Program are: Partial Disability If as a result of sickness or injury, you experience a loss in your average monthly-earned income of at least 20% and are under the regular care of an attending physician , you may be entitled to a monthly benefit. The benefit will be based on your actual loss of income; however, for the first six months of partial disability, the benefit will not be less than 50% of your monthly disability benefit. HIV, Hepatitis B or Hepatitis C Benefit This benefit provides additional protection against involuntary loss of income should you test positive for either HIV or the Hepatitis B or Hepatitis C virus. You may receive a Partial Disability benefit as described above based on the ratio of your lost
