Benefits payable for up to 24 months or more if needed

Once you qualify for benefits, you will be reimbursed each month for incurred expenses up to the benefit amount maximum until the total payments equal 24 times the monthly benefit.

Normally, after 24 months, most contractual business expenses will have ceased. However, if you are still liable for “Approved Obligations” such as a lease, and you have not been able to discharge it, and no other person derives any benefit from it, then up to 40 per cent of the monthly benefit may be payable to cover this monthly obligation for up to 60 months, but not beyond age 65, as long as you remain totally disabled.