Capital Sum Benefit
Some individual disability insurance policies pay a lump sum benefit for certain specified losses, e.g., the sight of one eye with no possibility of recovery or a hand or foot is severed through or above the wrist or ankle. This benefit (12 times the monthly benefit) is paid in addition to any other benefit that you may qualify for under the policy.
Other Policy Provisions:
Own Occupation Definition and other definitions of Total Disability
Waiver of Premium
Transplant and Cosmetic Surgery Benefit
Exclusions and Limitations