All applications are subject to insurance company approvals.
Monthly benefits applied for, including disability and business overhead expense insurance in force and applied for with all companies, must not exceed the plan's issue and participation limits. Income documentation will be required. The approved disability income and business overhead expense plans are guaranteed renewable to age 65 so long as the premium is paid within the grace period. The insurance company cannot change any part of the policy except its premium. The disability income plan may be renewed for life, if you are working at least 30 hours per week.