| Summary of Benefits |
American General |
CNA |
Reliastar |
| Monthly Benefit Percentage |
50% |
60% |
60% |
| Maximum
Monthly Benefit |
$2000 Plus RUIA |
$3000 max including
any RUIA |
$3000 max including
any RUIA |
| Railroad Unemployment Insurance Act
(RUIA) |
None |
Integrates with any $ from RUIA |
Integrates with any $ from RUIA |
| Elimination Period |
15 days |
30 days |
30 days |
| Benefit Duration |
1 year |
1 or 2 year |
2 year |
| Waiver of premium while receiving
benefits |
Yes |
Yes |
Yes |
| Pre-Existing Condition Exclusion |
3 mos-12 mos |
3 mos-12 mos |
12mos-12mos |
| 24 Hour Coverage/ On or Off Job |
Yes |
Yes |
Yes |
| Survivor benefits if you die while
disabled |
3x last monthly benefit paid |
information not provided |
3 x last monthly benefit paid |
| Recurrent Disability |
Yes |
Yes |
Information
not provided |
All
American Benefits Network
