|Product name||Platinum Advantage or Protector Platinum|
|Elimination period||60 days, 90 days, 180 days, 360 days|
|Benefit period||2 year, 5 year, 10 year, Age 65, Age 67|
|Definition of disability||Regular Occupation; True Own Occupation via rider|
|Guarantee||Guaranteed Renewable (Non-cancelable via rider)|
|Partial/residual disability||Available via rider|
Automatic increase benefit. Automatic benefit increase of 4% for the first five years, unless declined.
Benefit increase rider. Allows future increases to the coverage without evidence of medical insurability.
Business owner discount. Discounted premiums for business owners with employees.
Family care benefit. Pays a benefit when there is a 20% or more loss of income due to caring for a family member during a serious illness.
Premium waiver benefit. Premiums waived after claim is approved.
Presumptive total disability benefit. Presumes total disability if you lose sight, hearing, speech, hands, or feet, regardless of earnings or waiting period.
Rehabilitation benefit. Vocational training and education to help return to work.
Survivor benefit. Lump sum benefit paid if insured dies while on claim.
Basic, enhanced, or short-term residual. Three options to cover residual disabilities if sickness or injury result in a loss of income.
Catastrophic disability benefit. An additional monthly benefit is paid if you cannot perform two or more activities of daily living.
Indexed cost of living benefit. Increases the monthly benefit while on claim.
Own occupation rider. Allows you to continue to receive benefits while working in another occupation.
Non-cancelable. Prevents the carrier from increasing the premiums at any point.
Student loan benefit. Pays an additional benefit to cover qualified student loan expenses.
Available riders may vary by state and individual application.
The Standard is one of the largest disability insurers in the U.S. for both individuals and employers. The Platinum Advantage and Protector Platinum products offer the strongest guarantees available and their flexible riders let you customize the disability coverage to best meet your goals.
Evaluation: 4.75 / 5
Contract: 5 / 5
Application process: 5 / 5
Customer service: 5 / 5
Underwriting: 4 / 5
A.M. Best rating: A
BBB rating: A+