Section 18.04.08.036 - DISABILITY INCOME PROTECTION COVERAGE01.Minimum Standards for Benefits. The minimum standards for disability income protection coverage are:a. Provides that any periodic payments are not reduced based on age, except when such reductions do not exceed fifty percent (50%) and do not take place until the individual has reached full retirement age for Social Security benefits;b. Contains an elimination period no greater than one-fourth (1/4) of the maximum payable benefit period, and not exceeding one (1) year;c. Has a maximum payable benefit period of at least three (3) months.02.Banned Policy Provisions. a. Where a policy provides total disability and partial disability benefits, only one (1) elimination period may applied.b. Disability income protection benefits will not require the loss to commence less than thirty (30) days after the date of accident, nor will any policy that the insurer cancels or refuses to renew require that it be in force at the time disability commences if the accident occurred while the coverage was in force.c. No reduction in benefits will be put into effect because of an increase in Social Security or similar benefits during a benefit period.d. No policy or certificate may use activities of daily living to define partial or total disability.03.Disclosure Provisions. All disability income protection policies will prominently state on the first page, in either contrasting color or in boldface type at least equal to the size type used for headings or captions of sections: "Notice to Buyer: This is a disability income protection policy."Idaho Admin. Code r. 18.04.08.036