Applying to add this rider gives you the ability to collect 50% of your benefit amount, up to $500,000, if you become permanently chronically ill. This tax-free benefit (consult a qualified tax advisor) is paid directly to you over a four-year period to be used as you see fit. That could be to help with medical costs, ongoing living expenses, or to replace lost income. This rider is available for an additional cost and must be selected when completing the application for Group Term Life Insurance.