COLA - Increases the net disability benefit annually by a specified percentage1 for a specified number of adjustments, Conversion - If an EE's employment is term'd, they may have the right to enroll in an individual plan, Minimum Indemnity - Benefit pay an additional monthly benefit for a specified number of months if a claimant is accidentally dismembered or loses their sight, Survivor Benefit - Pays a lump sum benefit to an eligible survivor when proof is received that a covered person died while receiving a disability benefit, Pre Ex - Protects the insurer from providing benefits for a condition that existed prior to the employee’s or dependent's effective date,

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