COMFORT DISABILITY POLICY

Coverage

The added comfort disability policy provides :

• a replacement income
• financial compensation.

1- Replacement income

In the event of temporary disability due to illness or accident, the insured person is entitled to 80 percent of his declared salary (up to US $ 120 000 per year).

* after deduction of all other income or compensation and up to the insured person’s 60^th birthday at the latest.

• Disability : after a 90 — day waiting period, and for a maximum duration of 36 full months.

• Total disability : following temporary disability (physical and professional) is equal to 60 percent.

2- Financial compensation

In the event of permanent disability of more than 10 percent (in the event of an accident) or 30 percent (in the event of illness), the insured person is entitled to benefits, calculated as follows :

Financial compensation = (annual salary) x (degree of disability) x ( c )

" c " varies with marital status and number of dependents, and the cause of disability (illness or accident).

Rates

In percent of salary, and according to the average age of people to insure.