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A rider available with Disability insurance policies. Full disability benefit is paid if the insured incurs the total loss of use (without possibility of recovery) of: speech, hearing in both ears, sight in both eyes, or use of both hands, both feet, or one hand and one foot. Benefits begin accruing when the presumptive disability occurs and are paid as long as the loss continues, regardless of income-earning ability. There is no additional charge for this rider.