Concurrent disability (simultaneous disabilities)

If, during the benefit period, a second disability unrelated to the event that caused the initial disability occurs, the benefit amount is not doubled.

If the first disability ends before the policyowner receives benefits for the number of months set out for the benefit period, they'll be entitled to benefits for the second disability after the applicable new waiting period. The monthly benefits payable for the second disability can only be paid up to the number of months remaining in the benefit period of the first disability.

The waiting period for the second disability will begin when the insured person becomes disabled due to the second cause.