MEDICAL REQUIREMENTS
DO NOT ORDER EXAMS IF USING THE TELEMED PROCESS
Individual Disability Products, Overhead Expense, and Business Reducing Term
| Amount | Age 18-40 |
Age 41-50 |
Age 51-60 |
Over Age 60 |
| $0 - $999 | None | None | None | Para-Med Full Blood Urine |
| $1,000 - $1,500 | HIV Urine | HIV Urine | HIV Urine | Para-Med Full Blood Urine |
| $1,501 - $2,500 | HIV Urine | HIV Urine | Para-Med Full Blood Urine |
Para-Med Full Blood Urine |
| $2,501 - $3,000 | HIV Urine | Para-Med Full Blood Urine |
Para-Med Full Blood Urine |
Para-Med Full Blood Urine |
| $3,001 - $6,000 | Para-Med Full Blood Urine |
Para-Med Full Blood Urine |
Para-Med Full Blood Urine |
Para-Med Full Blood Urine |
| $6,001 - $10,000 | Para-Med Full Blood Urine |
Para-Med Full Blood Urine |
Para-Med EKG Full Blood Urine |
Para-Med Full Blood Urine |
| $10,001 - $12,000 | Para-Med Full Blood Urine |
Para-Med EKG Full Blood Urine |
Para-Med EKG Full Blood Urine |
Para-Med Full Blood Urine |
| $12,000 + | Para-Med EKG Full Blood Urine |
Para-Med EKG Full Blood Urine |
Para-Med EKG Full Blood Urine |
Para-Med Full Blood Urine |
Note: Please note that 1/2 of any FIO purchased will be added to the monthly benefit to determine the above requirements. 100% of BOE and Reducing Term count to determine the above requirements.