All CollectionsCoverage & TermsCoverage & TermsUnderstand benefit calculations, replacement tiers, payout durations, the 120-day vesting rule, and key exclusions. 7 articlesTarget Replacement Rates ExplainedHow Long Does Coverage and Benefits Last?How Your Cushion Monthly Benefit is CalculatedPolicy Caps ExplainedUnderstanding the 120-Day Vesting PeriodUnderstanding the 28-Day Elimination PeriodWhat Losses are Covered (and What is Excluded)