Health Waiver Benefits

Included on all deferred annuities, both Non-Qualified and Qualified Funds, except Heritage Elite and Heritage Accumulator.

Terminal Illness - the Annuitant has a non-correctable medical condition that is expected to result in death within twelve (12) months of the date that the condition was first diagnosed by a Physician.

Disability - the Annuitant qualifies for disability income from an insurance contract, from an employer’s benefit program, or from a governmental agency.

Home Health Care - a Physician's diagnosis that the:

1. Annuitant has been continuously unable to perform at least two (2) of the six (6) Activities of Daily Living without the physical assistance or presence (within arm’s reach) of another person, to prevent, by physical intervention, the Annuitant’s injury;
2. The Annuitant’s limitations are not temporary; and
3. The Annuitant’s limitations have existed for at least ninety (90) consecutive days.

Nursing Home Care - the Annuitant has been continuously admitted to a facility:

1. That provides continuous 24-hour-a-day nursing service;
2. That is under the supervision of a Physician who maintains a daily medical record of each admitted individual; and
3. For at least ninety (90) consecutive days.