PaySecure - IdealIncome comparison

I have done a comparison on two of the disability insurance plans available. The information is gathered from multiple sources and from respective agents themselves. For detail explanation, you are advised to seek the help from a professional insurance advisor.

Product Name	Great Eastern PaySecure	Aviva IdealIncome
Rider availability	Yes	No
Escalation option	Level only	Level or 3% per annum
Pre-benefit period (days)	60, 90 or 180	90 or 180
Benefit period	Up to age 55, 60 or 65	Up to age 55, 60 or 65
Total disability during employment	Receive insured monthly benefit	Receive insured monthly benefit
Total disability during non-employment	Receive monthly payment lesser of 50% of insured monthly benefit and $4000	Receive monthly payment of $500
Partial disability benefit during employment	Receive monthly a porportion of benefit if you return to work and earn 85% or less of your pre-disability earnings	Receive monthly a porportion of benefit if you return to work and earn 75% or less of your pre-disability earnings
Partial disability benefit during non-employment	Receive monthly a porportion lesser of 50% of insured monthly benefit and $4000 if you return to work and earn 85% or less of your pre-disability earnings	NA
Rehabilitation expenses benefit	Up to 3 times of insured monthly benefit	Up to 3 times of monthly total or partial disability benefit
Death benefit	6 times of insured monthly benefit	Receive lump sum $5000 only on death during total or partial disability