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Disability Income Insurance |
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Build A Plan Suited To Your Individual Needs! | |
You can have a plan designed specific to your individual
needs by first selecting monthly benefit amounts from $300,
to as much as $5,000 (in $100 units). When combined with all
other disability coverage which you may have in force, the
benefit you are eligible to apply for may not exceed 50% of
your average earnings per month at the time of application
(see Plan Definitions section).
If you become totally disabled while covered under the plan,
benefits will become payable after the waiting period that
you select has been met and will be retroactive to day one
of disability. While you are totally disabled, benefits will
continue to be payable until you reach the maximum benefit
period.
Disabilities beginning on or after age 64 are payable for a
maximum of 12 months. |
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Highlights of Coverage |
How The Plan Works | -
Coverage for up to $5,000 in Monthly Benefits
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Convenient Payroll Deduction
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No Reduction For Sick Leave
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Choice of Benefit & Waiting Periods
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Affordable Group Rates
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Renewable Coverage To Age 65
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plan designPlan
Design |
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| Select from one of the
following plans: |
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Benefits Begin After A Total Disability Of |
And Continue
For * | |
Plan A |
14
days |
2
Year |
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* A Total Disability which occurs when you are age 64 is payable
for a maximum of 12 months regardless of the Plan selected. No
benefits are payable for a Total Disability which begins on or after
age 65. | |
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premiumsPremiums |
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Monthly Premiums
Per $100 Unit |
Plan A
2 Year Benefit and a 14 Day Waiting Period | |
18-65 |
$1.40 |
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Tenthly Premiums
Per $100 Unit |
Plan A
2 Year Benefit and a 14 Day Waiting Period | |
18-65 |
$1.68 |
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definitions |
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definitionsDefinitions |
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Average Monthly Earned Income means your monthly earned income
averaged over the 24 months preceding application. It includes
salary, wages, fees or other forms of remuneration, after deduction
of normal and customary business expenses but before deduction of
income taxes. It does not include dividends, rents, royalties,
annuities or other forms of unearned income. |
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Total Disability means that, because of injury and
during the first 24 consecutive months following the waiting period,
the insured is unable to perform the substantial and material duties
of his/her job or profession. After 24 months of benefits have been
paid, total disability will mean the inability of the insured to
engage in any occupation or employment for which he or she is
qualified by reason of education, training or experience. The
insured at all times must be under the regular care of a physician
other than the insured. We will not pay benefits for sickness for
any period that a person may claim benefits for an accident. |
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lilimitsmitsLimitations |
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Pre-existing Condition means any injury for which
the insured incurred medical expenses, received medical treatment,
care or services during the 12 month period immediately preceding
the insured's effective date of coverage. The pre-existing condition
limitation will not apply to any period of total disability that
begins after: -
no such treatment, care or services have been received for the
condition for 12 consecutive months after the effective date; or
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coverage has been in effect for for more than 24 months;
whichever comes first.
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Successive Periods of Disability |
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periods of total disability that are the result of the same or
related causes, which are separated by less than 180 days, will be
considered one period of disability. Two periods of total disability
that are the result of unrelated causes will be considered one
period of disability unless separated by one full day of work
performing your job or profession on your usual basis. |
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Mental Illness, Alcoholism & Drug Addiction |
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Benefits will be provided for the first 24 months for a total
disability resulting from mental or nervous disorders, alcoholism,
drug addiction or the use of any mind-altering drug provided
pyschiatric care is received at least twice a month for this
disability. |
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Underwritten By |
| ASSURITY
LIFE COMPANY |
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