GR21, NC21 and SR21:

• The Integrated Benefit Rider [IBR] is now available with 2 Year Benefit Periods on the GR21, NC21 and SR21.
• The replacement ratio has been increased from 70% to 80% where GLTD exists on the 6 month, 1 and 2 year plans.

SR21 and SRBE21:

• All states except Kansas and Maryland have the following increased Issue & Participation respectively $8,000 and $10,000.
• Kansas:  Max benefit increased to $2,000 with max participation $4,000 on both SR21 and SRBE21.
• Maryland:  Max benefit increased to $3,500 with max participation $5,500 on both SR21 and SRBE21.

Government Employees: They will now allow the Integrated Benefit Rider to be sold to government employees. They will be able to purchase another 40% up to $1,200/month on the Integrated Benefit Rider in addition to purchasing the maximum base benefit available to them.