Survivor Benefit
If you die while LTD Monthly Benefits are payable, we will pay a Survivor Benefit. The Survivor Benefit will be paid according to the following:
- the Survivor Benefit amount shown on the Schedule of Insurance will be paid to your Surviving Spouse;
- if you do not have a Surviving Spouse, but do have Surviving Children, we will pay this benefit to your estate;
- the Survivor Benefit will not be paid if you do not have a Surviving Spouse or Surviving Children; and
- Survivor Benefits, if payable, will first be applied to reduce any claim overpayments.
Surviving Spouse means your legal spouse who meets all requirements for a valid legal marriage in your and your Surviving Spouse's state of residence.
Surviving Children means your natural or adopted children who are:
- unmarried; and
- under the age of twenty-five (25).
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