All disability products provide a basic level of income replacement when an individual is unable to work due to injury or illness. Many products offer a wide range of additional benefits, however, ranging from very simple to extremely complex. This session will examine a number of such benefits, including items such as catastrophic disability, return of premium, rehabilitation, wellness, etc. For each of these benefits, the speakers address issues such as value, price and complexity. You will gain an appreciation for the wide range of benefits that can be incorporated in disability products.