Ohio National's optional benefits help clients anticipate change and lower the cost of coverage by building flexibility into their BOE plans. Optional benefits include:
- Residual or partial disability riders to provide income to the insured if he or she continues to work in the business part-time.
- A substitute salary expense rider to cover the expense of hiring a replacement.
- Guarantee of Physical Insurability Riders, in which the insured is guaranteed the option to purchase additional coverage every other year with no evidence of physical insurability.
Note: For a description of Ohio National's A & B BOE plans, see Form 8753. For a description of Ohio National's 4A, 3A, & 2A BOE plans, see Form 8744.
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