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A and D(type of Q) (1 DI (Additional (claim must submit within 90 days,…

- - - - % benefit for unable all duty job
    - - % of pre-dis income
  - - - protect income due to accident and illness
        
        qualify (work 600 hours in previous 52 week
        at least lose 40% of income)
        
        pay 55% of week income 514 max weekly, 80% for low income
        
        50/50
        
        employer deductible
        employee tax credit
    - - normally not cover saleman
        
        month/ one time (80-90 pre income)
        
        employer 100%
        
        employer deductible
        employee NO tax credit
    - - severe and prolong
        
        pay until 65 age
        
        50/50
        
        employer deductible
        employee tax credit
        
        100 self employed
        
        50% tax deductible
  - - - cap to range of skills or edu, then reduce or no benefit
        
        restrict to highest class
    - - more expensive for lower class
  - - - 2nd disable benefit period will continue the first benefit period.
  - - - premium and benefit cannot change
    - - premium may change but benefit
    - - any change or cancel
        
        coverage will not change unless change class
- - - - prescription/ ambulance/ necessary surgeries/brace/snoring/private room/prosthetic/ diabetic
      - paramedical service(massage/chiropratics/holistic medicine)
      - vision/dental
    - - Cosmetic/elective
- - - - DI
        
        employer tax deductive premium
        employee TAXABLE benefit
      - Life and A&S
        
        employer tax deductive premium
        TF benefit
    - - DI
        
        NO tax deductible premium
        tax benefit base in premium
      - Life and A&S
        
        NO tax deductible premium but A&S(ETC) has tax credit
        TF benefit
    - - no min residency requirement
      - must offer financial statement
  - - - A&s, EHC, Dental,vision
        (tax credit)