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                            OGC Opinion No. 02-08-08: Waiver of Premium
                            The policies in question have a waiver of premium benefit, whereby the insurer would waive premiums during any period in which the policyholder is disabled.
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                            Understanding your options to continue life insurance 
                            The converted policy only provides life insurance, and does not include the optional benefits such as Waiver of Premium,. Accidental Death and Dismemberment.
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                            New York State Billing Guidelines
                            This waiver may apply to cases in which the woman was not a Medicaid recipient at the time the hysterectomy was performed. Field 12. If the members
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