Acord Model Viewer | Rider Type | Pilotfish Technology

Title (OLI_LU_RIDERTYPE)

Rider Type

Definition

The RiderType table is used to specify riders associated with a product and/or policy. For annuity products, the RiderSubType table is used to further define the specific type of rider and should always be specified. For non annuity products, RiderCategory helps segregate which particular category the rider information is representing. It is used to specify traditional riders, benefits and discounts. Since values in the Rider Type table may exist in more than one category, it is highly recommended that the RiderCategory property always be used.

Used By

AdditionalRiderClassification (RiderTypeCode)
Exclusion (RiderTypeCode)
FeatureProduct (RiderTypeCode)
Rider (RiderTypeCode)
RiderProduct (RiderTypeCode)
SuitabilityProduct (RiderTypeCode)

Codes

Description	Name	Value	Definition	Notes
Accident 1st Day Coverage	OLI_DIRIDER_FDA	103
Accidental death and dismemberment	OLI_DIRIDER_ACCDTHDIS	25
Accidental Death Benefit	OLI_RIDER_ADB	389	Provides a lump sum payment in the event of death by accident.
Accidental Fracture	OLI_RIDER_ACCFRAC	377	Covers accidental bone fractures
Accident Disability Income	OLI_DIRIDER_ACCDIABILITYINC	357	Accident Disability Income covers any accident which prevents policyholder from working for a given period of time.
Accident Extended Wait	OLI_DIRIDER_EA	101
Accident Injury	OLI_DIRIDER_ACCINJ	48	For Long Term Care, if an insured requires services as a result of accidental injury, expenses related to the injury will be covered in accordance with carrier specific rules.
Accident Sickness Extended Wait	OLI_DIRIDER_EAS	102
Activities of Daily Living Income Benefit Rider	OLI_RIDER_ADL	334	Rider that provides additional benefits when the insured is ADL disabled.
Additional Cash Benefit	OLI_RIDER_ADDLCASHBEN	373	Provides a monthly lump sum of money to an LTC recipient that can be used at their descretion. Carrier specific rules determine how the amount is calculated.
Additional Claim Benefit	OLI_DIRIDER_ADDLCLAIM	90
Additional Monthly Indemnity	OLI_DIRIDER_ADDLMNINDM	53
Administrative Rider	OLI_RIDER_ADMIN	214	A general classification of annuity riders that are administrative in nature.
Adult Foster Care	OLI_LTCRIDER_ADULTFOSTERCARE	345	A rider available for of an adult in a foster care situation.
Affiliation Discount	OLI_DIRIDER_AFFILIATION	317	Provides a discount if the applicant is affiliated or otherwise is eligible for a insurer discount.
Aggregate Increase Protection	OLI_DIRIDER_INCRPRO	54
AIDS - Conditional	OLI_DIRIDER_AIDSCOND	80
AIDS - Unconditional (full coverage, no conditions on contraction of illness).	OLI_DIRIDER_AIDSUNCOND	81
Alcoholism & Drug Addiction	OLI_DIRIDER_ALCOHOL	46
Alternate Plan of Care	OLI_LTCRIDER_ALTCARE	348	A rider available for special arrangements or services to allow the insured to receive benefits for services outside the coverages of a long term care policy (e.g. in-home safety devices, home delivered meals, stays in special types of facilities, additional equipment benefits).
Ambulance Coverage	OLI_DIRIDER_AMBULANCE	42	Ambulance CoverageOn a Long Term Care policy, the Ambulance provision provides for transportation between a nursing home and hospital, in either direction.
Annual Enhanced Death Benefit	OLI_ANNRIDER_ANNENHDB	201
Assisted Living Care	OLI_LTCRIDER_ASSISTCARE	339	A rider available for personal care and health services provided for the Activities of Daily Living in an Assisted Living Facility.
Assisted Living Room Charge	OLI_LTCRIDER_ASSISTLIVROOMCHG	371	Provides for the reimbursement of Room charges that are not covered elsewhere while the insured resides in an Assisted Living Facility.
Association Premium Discount	OLI_DIRIDER_ASSOCDISC	94
Automatic benefit increase	OLI_DIRIDER_AUTOBENEINC	83	May also be known as Benefit Increase Option.
Automatic Income Benefit	OLI_DIRIDER_AUTOINC	11
Automatic Increase Rider	OLI_RIDER_AIO	332	Rider that provides for an automatic increase in the disability monthly income benefit.
Basic Hospital	OLI_DIRIDER_BASICHOSPITAL	358	Basic Hospital provides hospital care expenses. DisabilityHealthOption may be defined for hospital room, nursing services, and other regular daily services and supplies .
Bed Reservation	OLI_LTCRIDER_BEDRES	340	A rider which provides a daily benefit available for the cost of reserving a nursing home or assisted living facility bed while the covered individual leaves the facility. This essentially provides the ability to reserve the space in the facility even though it is not being used.
Benefit Period Enhancement Rider	OLI_LTCRIDER_BENPEREHANCE	301	Converts and expands a periodic benefit into a benefit with a different frequency. For example can convert a $100 daily benefit into a $700 weekly benefit. Conversions are not limited to this combination of periods/frequencies.
Benefit update agreement	OLI_DIRIDER_BENEUPDATEAGMT	84
Blood Plasma and Transfusions	OLI_DIRIDER_BLOOD	45
Bonus	OLI_RIDER_BONUS	212	The offer of bonuses or credits on purchase payments. By purchasing this feature, the purchaser receives a credit to his/her account equal to a percentage of the purchase payment.
Calendar Day Rider	OLI_RIDER_CALENDARDAY	375	For Long Term Care, once care received, every calendar day will be used to satisfy the Elimination Period for Home Care, even when no care is received.
Cancellation	OLI_RIDER_CANCELLATION	368	Provides that if the insured dies or cancellation of coverage at the request of the owner occurs, some portion of the premium paid to date is returned. The amount returned is calculated based on carrier specific rules.
Capital Account	OLI_DIRIDER_CAPACCT	55
Capital Preservation provides the most flexibility in how the benefit is to be received by the contract owner since it does not force the owner to receive distributions, annuitize the contract, or prevent full access to guarantee amount at the conclusion of the guarantee period. It is revocable.	OLI_RIDER_SEF	320	The annuity contract owner is guaranteed that the combined value of the GTO and variable accounts at the end of the rider term will be no less than the contract value when the rider was elected.
Care Giver Reimbursement	OLI_LTCRIDER_CAREGIVE	311	Provides a periodic, stated fixed dollar amount for a any care giver's expenses reimbursement. May be anyone.
Cash Benefit / Lump Sum Payout	OLI_DIRIDER_LUMPSUM	65	Provides a fixed stated dollar amount payout in the event death or disability.
Catch-Up Rider	OLI_RIDER_CATCHUP	378	Provides a lump sum payment equal to the amount not paid during the waiting period of the policy should you become totally disabled for a period of at least 180 consecutive days. This coverage is designed to help you financially "catch-up" from the impact of a disability.
Commercial loss of time (includes franchise).	OLI_DIRIDER_COMMLOSS	26
Compassionate Leave Benefit	OLI_RIDER_COMPLVBENE	386	Covers income loss of the care provider in the event of illness or disability of the insured.
Convalescent Income	OLI_DIRIDER_CONVINC	37
Cost of Living, CPI Inflation Option	OLI_DIRIDER_COLCPI	56	Inflation option that provides automatic periodic increases of benefits, calculated based on compounding the Consumer Price Index. The increased benefit does not impact premium.
Cost of Living, Guar	OLI_DIRIDER_GUARCOL	57
Cost of Living Adjustment Rider (COLA)	OLI_RIDER_COLA	1	Rider that provides an increase in the disability benefit amount to correlate with the increase in the cost of living while a covered insured is totally disabled.
Cost of Living - Compound	OLI_LTCRIDER_COL_COMP	314	Provides a fixed (non-indexed), compounding Cost of Living Benefit. The compounding of each periodic increase includes previous increases. The increased benefit does not impact premium.
Cost of Living - Simple	OLI_LTCRIDER_COL_SMPL	315	Provides a fixed (non-indexed) simple interest Cost of Living benefit. Each periodic increase is a stated simple percentage. The increased benefit does not impact premium.
Critical Illness	OLI_DIRIDER_CRITILL	392	Critical Illness is designed to assist individuals by covering excess expenses in the event that an individual contracts one of the diseases (usually 5-7 diseases) named in the policy. It usually pays a lump sum upon proof of claim.
Day Care	OLI_LTCRIDER_DAYCARE	344	A rider available for care during the day for a covered individual, for adults, usually at senior or community centers, for children, at a licensed child-care facility.
Death Benefit	OLI_RIDER_DB	206	Benefit payable upon the death of the contract owner or annuitant
Deductible buy down	OLI_DIRIDER_DCTBYDWN	34
Dental	OLI_DIRIDER_DENT	15	Dental provides expenses related to routine dental care
Dental Plus Orthodontia	OLI_DIRIDER_DENTALPLUSORTHO	359	Dental provides expenses related to routine dental care plus orthodontia.
Disability Buy-Out	OLI_DIRIDER_DISBUYOUT	355	A rider for jointly owned businesses that disburses funds for one partner, on the business' disabled partner's share of the business.
Disability - Loan Protection	OLI_RIDER_DIMORTGAGE	381	Makes payments towards your mortgage or other long term loan, in the event you are disabled.
Dread Disease	OLI_DIRIDER_DISEASE	21	A type of specified expense coverage that provides benefits for only those medical expenses incurred by an insured who has contracted a specified disease.
Dread Disease and Impairment	OLI_DIRIDER_DREADDISIMPAIR	360	Coverage in the event of either the policyholder contracts a dreaded disease or becomes impaired.
Earnings Max Rider	OLI_RIDER_EARNINGSMAX	208	The election of this rider pays an additional amount over and above the death benefit at the time of the Owner's death. A charge is assessed for this rider in the form of a decreased interest rate.
Education Benefit	OLI_DIRIDER_EDUCBENE	395	Covers education expenses for either self or dependents in event of a qualifying disability
Employer Premium Discount	OLI_DIRIDER_EMPDISC	93
Employment in firm	OLI_DIRIDER_EMPFIRM	82
Enhanced Earnings Benefit	OLI_RIDER_EEB	205	Rider that pays an extra death benefit to an individual (beneficiary) at the time of a death. The beneficiary can use the potential extra benefit to help pay income taxes owed on a policy. Sometimes referred to as Beneficiary Protector Rider.
Exclusion	OLI_DIRIDER_EXCLU	2
Expense Coverage during Elimination Period	OLI_DIRIDER_EXPENSE	388	Provides a portion of the disability benefit during the elimination period for as long as the insured is disabled. This rider can help meet some of the expenses (such as mortgage, rent, car lease/payments, line of credit) before disability benefits begin.
Extended Elimination Period	OLI_DIRIDER_EXTELIMPD	104
Extended Guarantee Period	OLI_RIDER_EXTGUARPER	210	If this rider is elected, the interest rate initially in effect for each Premium, excluding any interest rate bonus, will remain in effect at least as long as the Extended Guarantee Period.
Extra Hospital Miscellaneous Expenses	OLI_DIRIDER_EXTRAHOSP	35
Family Care Giver Reimbursement	OLI_LTCRIDER_FAMCARE	310	Provides a periodic, stated fixed dollar amount for a family care giver's expenses reimbursement. Must be a family member not living with the insured.
Family Care Rider	OLI_RIDER_FAMILYCARE	364	Provides a pooled amount on the policy which can be shared by a Primary Insured and any of their Named Dependents.
Family Income	OLI_DIRIDER_FAMINC	58
FIO (future income option)	OLI_DIRIDER_FIO	3	Rider which specifies a future income option.
Fixed Income	OLI_DIRIDER_FIXINC	59
Foreign Travel Rider	OLI_RIDER_FOREIGNTRAVEL	106	When present, this rider pays up to a set percentage of billed charges for Medicare eligible expenses for Medically necessary emergency hospital, doctor and medical care received in a foreign country if the care would have been covered by Medicare
Funeral expense	OLI_DIRIDER_FUNEXP	89	Expenses that are directly related to the funeral, burial, or cremation of the deceased insured. These are typically covered for a specified duration (e.g. 60 days) from the date of the accident in which the deceased was injured.
Future Increase Option	OLI_DIRIDER_INCROPT	49
GIR (Guaranteed Insurance Rider)	OLI_DIRIDER_GIR	4	Guaranteed issue life insurance rider. Often sold as part of a group plan.
GMI (Guaranteed Medical Insurance)	OLI_DIRIDER_GMI	6	Guaranteed Issue Health insurance; Health Insurance without a medical exam or other pre-qualification. Often sold as part of a group plan.
GMR (Guaranteed Medical Rider)	OLI_DIRIDER_GMR	5	Guaranteed Medical Expense Rider; Covers medical expenses without requiring a medical exam or pre-qualification. Sold as a rider on LTC or disability plans.
Guaranteed Min Accumulation Benefit By Maturity Dt	OLI_RIDER_GMAB	338	Guarantees a particular return at some maturity date. If the account value is below the guaranteed minimum on the maturity date, then the carrier adds money to the account reach the guaranteed minimum.
Guaranteed Minimum Accumulation Benefit By Years	OLI_RIDER_SECUREPRINCIPAL	211	A guarantee that ensures that the value of a variable annuity contract will be at least equal to a certain minimum amount after a specified number of years.
Guaranteed Minimum Income Benefit (GMIB)	OLI_RIDER_GIB	204	Guarantees that when a contract is annuitized – i.e., converted into retirement income payments – the income payments will be based on the greater of the actual contract value or a minimum payout base, which typically is equal to the amount invested credited with a competitive rate of interest (five percent is common). If the contract value grows, monthly income payments may be higher, but never lower, than the guaranteed minimum amount. Allows for optional annual step-up.
Guaranteed Minimum Withdrawal Benefit (GMWB)	OLI_RIDER_GWB	336	This withdrawal benefit guarantees that cumulative withdrawals (or payments to an Annuity Option) will be greater than or equal to the principal invested.
Guaranteed Min Withdrawal for Life Benefit (GWLB)	OLI_RIDER_GWLB	215	A guarantee that promises that a certain percentage of the guaranteed benefit base (often paid premiums) can be withdrawn each year for the life of the contract holder, regardless of market performance or the actual account balance.
Hardship Rider	OLI_RIDER_HARDSHIP	326	In the case of "hardship" (as defined by the contract language of the rider), withdrawals are permitted and not subject to surrender charges.
Health Insurance Rider	OLI_RIDER_HEALTH	213	A general classification of annuity riders that have health based benefits.
Healthworker's Protection Rider	OLI_RIDER_HPR	379	Provides special disability insurance coverage for health care professionals whose work involves substantial contact with bodily fluids or invasive procedures, such as surgery.
High Limit Residential Care	OLI_RIDER_HIGHLIMITRESCARE	370	Specific to the CA Partnership that requires a base plan which covers 70% of the daily facility benefit must also cover residential care. This optionally selected rider increases the coverage for Residential (Home or Assisted Living) Care from 70% to 100% of the daily benefit.
HIV Rider	OLI_RIDER_HIV	380	Provides coverage in the case of an HIV infection
Homemaker	OLI_DIRIDER_HOME	60
Hospice Care	OLI_LTCRIDER_HOSPICECARE	347	A rider available for care that is intended to provide comfort for the terminal patient and support for their family.
Hospital/surgical	OLI_DIRIDER_HOSPSURG	18
Hospital Income	OLI_DIRIDER_HOSPINC	61
Hospital Indemnity	OLI_DIRIDER_HOSPINDEM	8
Income Protection	OLI_DIRIDER_INCPROT	22	Provides income protection that can apply to accident OR sickness which prevents policyholder from working for a given period of time.
Indemnity - Facility	OLI_LTCRIDER_INDEMFAC	307	Provides a periodic, stated fixed dollar benefit provided from the contract's health care facility benefit.
Indemnity - Home and Community Based Care: $ Amt	OLI_LTCRIDER_INDEMHOME	319	Provides a periodic, stated fixed dollar amount provided out of the contract's home or community based health care benefit. The benefit is stated as a fixed dollar amount.
Indemnity - Home and Community Based Care: Percentage of facility daily benefit	OLI_LTCRIDER_INDEMBOTH	308	Provides a periodic, stated fixed dollar amount provided out of the home or community based health care provider. The benefit is stated as a percentage of the facility daily benefit.
Inflation Calculation Rider	OLI_RIDER_INFLATE	329	Rider that provides for increases in benefit levels over time to help pay expected inflation in the costs of Long Term Care Service. The increase in benefit is not automatic, requiring specific action on the part of the owner. If the benefit is increased, premium will be increased appropriately.
Installment Schedule	OLI_DIRIDER_INSTSCH	62
Intensive Care Unit	OLI_DIRIDER_ICU	32
Interest Rate Options	OLI_RIDER_INTRATEOPT	217	Contract provisions which offer an adjustment to the interest rate crediting amount or method.
Lifestyle Protection Enhancer	OLI_DIRIDER_LIFESTYLE	393	A lump sum benefit paid after a period of qualifying lifetime total disability (e.g. after 60 months)
Lifetime Accident	OLI_DIRIDER_LFACC	63
Lifetime Benefit Presumptive Disability	OLI_RIDER_PRESUMDIS	382	Presumptive disability means you've lost sight, hearing, speech, loss of 2 limbs.
Lifetime Total Disability (known as Total and Permanent Disability in Australia)	OLI_DIRIDER_LFTOTDI	64
Living Benefit Rider	OLI_RIDER_LIVINGBENEFIT	327	Guarantees the return of contract value as of the market close the date the rider was added in the form of withdrawals until their entire contract value when the rider was added has been returned, regardless of their contract value at the time of withdraw
Long term care	OLI_DIRIDER_LTC	17
Long Term Care and Community Based Care / Service	OLI_DIRIDER_HHLTH	40	Home health care and communities services care and similar services provided residential (inside) the home.
Long Term Comprehensive Care	OLI_DIRIDER_COMPCARE	303	Combines Facility Care and Home Care Services
Long Term Facility Care / Service	OLI_DIRIDER_NURSE	19	Facility Care / Services - nursing care, assisted living and similar services provided facilities (outside) of the home.
Loss/Speech and Hearing	OLI_DIRIDER_LOSSSPEECH	44
Loyalty Discount	OLI_RIDER_LOYALTY	362	Used when a discount applies for the length of time as a customer.
Marital Discount	OLI_RIDER_MARITAL	372
Maternity	OLI_DIRIDER_MATERN	7
Medical expense (coverage available for family members)	OLI_DIRIDER_MEDEXPFAM	23	Health insurance coverage that provides benefits for the expenses incurred in treating illnesses and injuries for the family members.
Medical expense (insured only)	OLI_DIRIDER_MEDEXPINDIV	24	Health insurance coverage that provides benefits for the expenses incurred in treating illnesses and injuries for the insured only.
Medical Services and Supplies	OLI_DIRIDER_MEDSERV	33
Medical Surgical Expense	OLI_DIRIDER_MEDSURG	30
Medicare Extended	OLI_DIRIDER_MEDCAREEXT	38
Medicare Hospital Indemnity	OLI_DIRIDER_MEDHOSPIND	50
Medicare supplement	OLI_DIRIDER_MEDSUPP	20
Mental Illness	OLI_DIRIDER_METALILL	47
Miscellaneous Room & Board	OLI_DIRIDER_MISCRNB	28
Monthly Hospital Confinement	OLI_DIRIDER_HOSPCONF	39
Multiple Policy Discount	OLI_DIRIDER_MULTIDISC	95
Non-cancelable income disability	OLI_DIRIDER_INCDIS	27
Non-Disabling Injury	OLI_LTCRIDER_INJURY	354	A rider that provides for expenses incurred for medical treatment prescribed by a physician for a non-disabling injury.
Non-Forfeiture - LTC	OLI_RIDER_PAIDUP	369	On a Long Term Care policy, benefit provides that should the payment of premium be discontinued, the amount paid to date can be used to fund either a reduced benefit amount or a shortened benefit period. Carrier specific rules may apply.
Non-Forfeiture - Restoration Of Benefits	OLI_DIRIDER_NONFOR_LTD	305	Provides that if policy lapses future benefits are still available. Does not provide a Death benefit returning premiums paid.
Non-Occupation AMI	OLI_DIRIDER_NONOCCAMI	66	Non-Occupation Additional Monthly Indemnity (AMI)
Non-professional Services	OLI_RIDER_NONPROFESSIONALSERVICE	365	Provides for the hiring of a resource to provide non-professional services.This person would perform services such as laundry, meal prep, and simple cleaning. It may also provide additional funds for home modifications and installation of other home safety equipment.
Non-Smoker Discount Rider	OLI_RIDER_NONSMOKER	105	When attached to a policy this rider applies a percentage discount to the policy premium if the applicant is a non-smoker.
Occupational Therapy	OLI_LTCRIDER_OCCUPTHERAPY	343	A rider available for services provided by a licensed professional for occupational therapy.
Optional Residual Benefit	OLI_DIRIDER_RESBENE	68
Option to Purchase Additional Insurance Rider	OLI_RIDER_OPAI	12	Provides an opportunity to select an increase in coverage without evidence of insurability. May also be known as a Guaranteed Purchase Option (GPO), Future Purchase Option (FPO), Benefit Increase Offer (BIO) or Option to Purchase Additional Insurance (OPAI).
Option to Purchase Residual Benefit	OLI_DIRIDER_OPRESBENE	67
Other	OLI_OTHER	2147483647
Overhead expense	OLI_DIRIDER_OVREXP	88	Type of disability income policy used to provide funds for the ongoing monthly business expenses (such as employee salaries, utility charges, rent, and equipment payment due) necessary to maintain continuing operations in the event an owner/key person becomes disabled. Generally, there is an elimination period such as 60 days after which monthly income payments commence until a stipulated aggregate limit has been reached.
Overhead Expense - Illness Only	OLI_DIRIDER_OVREXPILL	391	Covers business overhead expenses in event of an illness
Overhead Expense - Injury Only	OLI_DIRIDER_OVREXPINJ	390	Covers business overhead expenses in event of an injury
Paid up Survivor Benefit	OLI_LTCRIDER_NONFOR_SURVIVE	306	Provides that if premium is paid for a stated contractual time period, if one of the insureds dies the survivor does not have to pay any additional premiums. Available only with Joint Coverage.
Partial Disability	OLI_DIRIDER_PARTDI	51
Physical Therapy	OLI_LTCRIDER_PHYSTHERAPY	341	A rider available for the services provided by a licensed professional for physical therapy.
Physicians	OLI_DIRIDER_PHYSN	13
Premium Enhancement	OLI_RIDER_PE	96	A percentage of the premium payment which is added to the policy value at the time of premium payment. It is not an additional interest rate. The Premium Enhancement is not considered a premium payment; it is earnings on the product. (Also referred to as Extra Value Rider)
Premium Rate Guarantee	OLI_RIDER_PREMRATEGUARANTEE	363	Guarantees that the premium rate at inception will continue to be in effect for a specific period of time for this policy regardless of subsequent rate increases to the block of business.
Pre-Pay Discount	OLI_DIRIDER_PREPAY	309	Provides a discount if some portion of future premiums are pre-paid along with the initial premium.
Prescription.	OLI_DIRIDER_PRESCRIPT	16	Prescription is a type of specified expense coverage that provides benefits for the purchase of drugs and medicines prescribed by a physician.On Long Term Care, Prescription Drug provision will pay the cost of prescription drugs when the insured is in a skilled nursing facility.
Pre-Selected Death Benefit Option	OLI_RIDER_DBPREOPT	209	Before the Income Date, the Owner may designate a death benefit option. Only the Owner can revoke or change this election. After the death of the Owner, the Beneficiary may not revoke or modify the death benefit option elected, subject to the requirements of the Internal Revenue Code. However, at the time of the Owner's death, we may modify the death benefit option if the death benefit elected exceeds the life expectancy of the Beneficiary.
Principal Sum	OLI_DIRIDER_PRICSUM	70
Private Duty Nursing	OLI_DIRIDER_DUTYNURS	31
Private Hospital Room	OLI_DIRIDER_PRIVHOSP	43
Private Nursing	OLI_DIRIDER_PRIVNURS	29
Purchase Payment Credit	OLI_RIDER_PURPAYCRT	300	This rider applies a percentage credit to purchase payments received during the first contract year. The credit is then allocated according to your current purchase payment allocation. The credit is subject to contract surrender charges and cannot be cancelled after elected. It is considered earnings under the contract and if you exercise your right to cancel during the free-look period the credit will not be returned to the contract owner.
Qualified Adult Discount	OLI_DIRIDER_QUALADLT	321	Provides a discount if a "qualified adults" apply together for policies. Qualified Adult is a person of the same or opposite sex who meets all the criteria listed below.1) He or she is over the age of 18.2) He or she has lived with you for at least 12 months.3) He or she has a serious and committed relationship with you.4) He or she is not legally married nor a Domestic Partner to anyone else.5) He or she is financially interdependent with you Financially interdependent means that you and this person are jointly responsible for the cost of food and housing.
Red Elim Hosp Conf	OLI_DIRIDER_ELIMHOSP	71
Regular Occupation (still covered if you return to work but in different occupation).	OLI_DIRIDER_REGOCCUP	86
Rehabilitation	OLI_DIRIDER_REHAB	350	A rider which specifies a reduced benefit available for disability while the insured participates in occupational therapy.
Replacement Expense	OLI_DIRIDER_REPLCEXP	72
Residual Disability	OLI_DIRIDER_RESDI	73
Residual Disability Benefit Rider	OLI_RIDER_PROPORT	331	Rider that provides a proportional benefit for disability while the insured is partially disabled.
Residual Long Term	OLI_DIRIDER_RESLTC	74
Residual Short Term	OLI_DIRIDER_RESSTC	75
Respite Care	OLI_LTCRIDER_RESPITCARE	346	Short duration care provided to long-term care patients to allow caregivers time away from providing primary care. It may take place in a nursing facility or at home by professionals or volunteers for a carrier specific period of time. Allows caregivers some time away from providing primary care.
Restoration of Benefits	OLI_LTCRIDER_RESTOREBEN	312	Provides that if carrier-specific rules have been satisfied, the contract benefits can be restored in full or in part after claim benefits have been paid on a policy, regardless of any other events which might have prevented this.
Restoration of Benefits	OLI_RIDER_RESTOREBENEFITS	366	Optionally selected rider which provides that if carrier-specific rules have been satisfied, the contract benefits can be restored in full or in part after claim benefits have been paid on a policy
Restoration of Benefits Rider	OLI_RIDER_RESTORE	335	Deprecate in favor of using TC 312.
Retirement Builder Benefit	OLI_RIDER_RETIREMENTBUILDER	384	Is used to build guaranteed income for retirement.
Retirement Protection Rider	OLI_RIDER_RETIRE	383	Continues your retirement funding when you are unable to do so because of sickness or injury.
Return of Premium	OLI_DIRIDER_NONFOR_LTF	304	Provides that, subject to carrier non-forfeiture rules, part or all of premiums paid will be returned. Rider Sub Types with a Sublist of 304 further define the nature of the benefit.
Return of Premium / Non-Forfeiture - Full Death	OLI_DIRIDER_PREMREFUND	69	Provides that upon death of the insured the policy will return all premiums paid. Also known as Premium Refund.
Return of Premium - Long Term Care	OLI_RIDER_ROPLTC	367	Provides that after a stated period of time in which the contract has been maintained in good order, some of the premiums paid to date will be returned.
Return of Premium Term	OLI_RIDER_ROPT	107	Offers insurance protection while providing a guaranteed return of out-of-pocket policy premiums.
Return to work (still covered if you return to work but not in same level position).	OLI_DIRIDER_RETTOWORK	85
Salary Replacement	OLI_DIRIDER_SALREP	76
Sale of Business Facilitation	OLI_DIRIDER_SALEBUS	387	Provides a lump sum payment to pay the expenses of the sale of the client's business in the event of long term disability.
Select Health Discount	OLI_DIRIDER_SELECTHEALTH	318	Provides a discount if the applicant qualifies for the carriers definition of select or good health.
Select Occupation Premium Discount	OLI_DIRIDER_SELOCCDISC	91
Shared Benefit Rider	OLI_RIDER_SHARED	328	When both partners (spouses) have an LTC Policy, provides for sharing benefits. Examples of shared benefits are:1. If benefits on one partner's policy are exhausted, they may access those of the other.2. If one partner dies, the survivor's benefits will increase by the deceased partner's remaining benefits.Other carrier-specific rules and benefits may apply.
Sickness Disability Income	OLI_DIRIDER_DISABILITYINC	356	Disability Income covers any sickness which prevents policyholder from working for a given period of time
Small Business Discount	OLI_RIDER_SMALLBUS	361
Social Insurance Substitute Benefits Rider	OLI_RIDER_SSISUB	333	Rider that will provide additional income if the insured is totally disabled and receiving limited or no social insurance benefits.
Social Insurance Supplement	OLI_DIRIDER_SOCINSSUP	10
Social Security Income	OLI_DIRIDER_SSINC	77
Soft Tissue Injury Rider	OLI_DIRIDER_SOFTTISSUE	394	Soft Tissue Injury means a contusion, a sprain or a strain
Speech Therapy	OLI_LTCRIDER_SPEECHTHERAPY	342	A rider available for the services provided by a licensed professional for speech therapy.
Spousal Discount	OLI_DIRIDER_SPOUSAL	316	Provides a discount if a couple applies together for policies.
Spouse Security Benefit	OLI_RIDER_SPOUSESECURBEN	376	For Long Term Care, the uninsured spouse of an insured may receive benefits from the insured's policy, for as long as that insured is eligible for covered long term care services.
Supplemental Income	OLI_DIRIDER_SUPPINC	78
Surgical	OLI_DIRIDER_SURG	9
Surgical Transplant Donor	OLI_DIRIDER_TRANSPLANTDONOR	353	A rider available for disability resulting from the transplant of part of the body of the insured to the body of another person.
Surrender Charges	OLI_RIDER_CDS	207	The cost to a contract owner for (partial or full) withdrawals from the contract before the end of the surrender charge period.
Surrender Charge Waiver	OLI_ANNRIDER_SURRCHGWAIVER	202	A waiver of the normal surrender charges under specific circumstances.
Survivorship and Waiver of Premium Benefit	OLI_RIDER_SURVIVEWOP	374	When both spouses are insured, provides the following benefits:1. If one spouse accesses benefits, premium for both spouses will be waived.2. If one spouse dies, premium for the surviving spouse will be waived.Carrier specific rules may apply.
Tax Liability Rider	OLI_RIDER_TAXLIABILITY	385	Covers tax liability costs in the case of a disability.As an example, in Canada, on employer sponsored plans, if your employer/plan sponsor paid any portion of the insurance premiums, then payments you receive are subject to income tax and must be deducted at the source. This rider can be used to offset the tax liability resulting from the disability income payment.
Tax Return Premium Discount	OLI_DIRIDER_TAXRETDISC	92
TD Your Occupation	OLI_DIRIDER_TDOCCUP	79	Total Disability (TD) Your Occupation
Terminal Illness Rider	OLI_RIDER_TIR	203	Provision that allows for contract penalty free withdrawals or return of premium from an annuity contract. To qualify, the contract owner must provide proof of a terminal condition
Unemployment Rider	OLI_RIDER_UNEMP	302	Waives payment of the premium in the event of unemployment.
Unknown	OLI_UNKNOWN	0
Vision	OLI_DIRIDER_VISION	14	Vision is a type of specified expense coverage that provides benefits for expenses that the insured incurs in obtaining eye examinations and corrective lenses.
Waiver of Elimination Period (known as Waiver of Qualifying Period in Australia)	OLI_DIRIDER_WAIVELIM	41	Waiver of Elimination Period (known as Waiver of Qualifying Period in Australia).For Long Term Care, provides for the waiver of the elimination period for services performed in locations other than a skilled nursing facility. Carrier rules determine which services are covered.
Waiver of Monthly Deductions (WMD)	OLI_DIRIDER_WAIVERMTHCRG	396	The WMD rider causes the monthly deductions of the policy to be waived upon the disability of the primary insured.
Waiver of Premium Rider	OLI_RIDER_PREMWAIVE	330	Deprecate in favor of using TC 87.
Waiver of Premium - Spousal	OLI_LTCRIDER_WPSPOUSE	313	Provides that if the insured has exercised their Waiver of Premium benefit, premiums are also waived for the spouse or domestic partner. This is also known as a joint waiver of premium. Carrier specific rules may apply.
Waiver of premium upon disability	OLI_DIRIDER_WP	87	Rider providing that, after a designated period, a benefit to waive any premium becoming due until the disability ends. For Long Term Care waiver of premium begins when eligibility requirements have been met.
Well Child Care	OLI_DIRIDER_WELLCARE	36
Workmen's Compensation Offset	OLI_DIRIDER_WORKCOMP	52