Group Disability Income Insurance

One of your most valuable assets is your earning capacity. It’s taken years of study and career advancement to achieve your position today. Yet a serious Injury or Sickness could jeopardize your livelihood. Even if you’re young and healthy, a serious Injury or Sickness could put you out of work for months or even years.

The amount of benefits received depends on your age, earnings before being disabled and eligibility of family members. Many working Americans don’t want to rely on Social Security because its benefits fall short of meeting their actual needs.

All Actively-at-Work members and spouses under age 60, working a minimum of 25 hours per week and reside in the U.S., may apply for this coverage. Please note: If you are a domestic partner interested in applying for coverage, please contact the Insurance Administrator for a Domestic Partner Affidavit which must accompany your application.

The choice is yours . . . benefits can begin after 60 (Plan I & Plan II), 90 (Plan I & Plan II) or 180 (Plan I & Plan II) days of disability. Choose an Elimination Period that best suits your needs by comparing your current savings versus your expenses.

No two families are alike. That’s why this plan helps give you the flexibility to choose a coverage amount that fits your lifestyle.

You can select to receive anywhere from $400 to $4,000/$6,000 (depending on which plan) a month, subject to income ratios. Base your selection on your current income level and remember that you may have additional medical costs to cover.

Plan I pays after a 60, 90 or 180 day (your choice) Elimination Period, to a maximum of five years if you are Totally Disabled due to an Injury and to a maximum of one year if you are Totally Disabled due to a covered Sickness. Plan II pays up to age 65 if you are Totally Disabled due to an Injury or Sickness. Under Plan II, you have a choice of a 60, 90 or 180 day Elimination Period for benefits to begin. For Plan I: If Total Disability occurs at or after age 64, benefits are paid for a maximum of 1 year. For Plan II: If Total Disability occurs at or after age 63, benefits are paid to a maximum of 2 years.

Your premium is based on your age, the monthly disability benefit you request plus the Elimination Period (e.g., 60, 90 vs. 180 days) and benefit period (5 years vs. to age 65).

Your coverage will become effective on the first day of the month immediately following the date your application is approved by the insurance company, provided you are Actively-at-Work and your initial premium payment has been received.

Coverage continues as long as: you remain an association member; you pay your premiums on time; you remain Actively-at-Work (except by reason of disability covered by this plan); the master policy is in effect; and you remain under 65 (Plan I) or under 70 (Plan II). The same goes for your spouse as long as they continue to meet eligibility requirements.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exam/tests requested by the company will be conducted at your convenience and at no expense to you.

Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a Customer Service Specialist if you’d like by calling the toll-free number.

When you become insured, you will be sent a Certificate of insurance summarizing your benefits under the plan. If you are not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. You will be sent a full refund-no-matter how many days your insurance has been in force.