You must apply for such coverage within 31 days of termination. A survivor income benefit is provided if you die while receiving Voluntary LTD benefits. The benefit pays a lump sum amount to your surviving spouse, your children in equal shares if there is no surviving spouse or your estate if there are no survivors. Normal Retirement Age means the Social Security Normal Retirement Age as stated in the 1983 revision of the United States Social Security Act. In the event of any discrepancy between this brochure and the policy, the terms of the policy apply.
Complete details are in the certificate of insurance issued to each insured individual.