Group Disability

Long-term Disability Insurance may be right for you if

You have resources that could cover your living expenses for the first few months of a disability you want comprehensive, long-term benefits that would cover disability from an accident or sickness you prefer more rider options so you can tailor coverage to meet your unique needs you’re interested in protection that is portable throughout several years of your career, even up to age 67.

This policy will pay you a monthly benefit if you are unable to work due to a disabling accident or sickness. You can tailor this policy by selecting the elimination period, benefit period and optional riders that would best meet your needs.

Proportionate Disability Benefit

If an injury prevents you from performing the duties of your regular job in the normal time it would take to do them, and your loss of monthly income is at least 20 percent, the policy will pay you a percentage of the total disability monthly benefit proportionate to your loss of income once the elimination period has been met. Payable for up to 24 months.

Waiver of Premium

Premium is waived for the coverage and optional riders after you are disabled for 90 days. The Policy will also refund any premiums you paid during this 90-day period.

Rehabilitation Benefit

You may be eligible to receive vocational rehabilitation services per your policy.

Optional Benefit

These represent a few of the optional riders available to enhance the Long-Term Disability policy base benefits. Be sure to call one of our licensed insurance agents about additional benefits available.

Critical Illness Benefits Rider

pays up to $25,000 in a lump sum benefit if you are diagnosed with certain specified diseases.

Return of Premium Benefit Rider

pays you back either 50 or 80 percent of premiums minus claims paid after 10 years, depending on the option you choose.

Total Disability Income Benefit

If an injury or illness prevents you from performing the duties of your regular job, and you aren’t gainfully employed in another occupation, the policy will pay you a monthly benefit once the elimination period has been met. After the first 24 months following the elimination period, if you have not reached your maximum benefit period, we will continue to pay a monthly benefit as long as you are unable to perform the duties of any job for which you are reasonably qualified based on education, training and experience.

Guaranteed Renewable

This policy cannot be cancelled, up to age 67, as long as you pay the premium when due. After age 67, you may continue your coverage to age 75 if you continue to work full-time and pay the premium when due.

Terminal Illness Benefit

You can accelerate up to 12 months of disability benefits if you are diagnosed with a terminal illness.

Survivor Benefit

If you die while you are disabled, we will pay your beneficiaries a lump sum amount equal to three times the total disability monthly benefit, payable at the time of your death.

Future Insurability Option

Increases your base monthly benefit as your income increases, regardless of changes in your health. Cost-of-Living Adjustment Rider increases your monthly benefit while you are disabled so your benefits aren’t degraded by inflation.

Hospital Confinement Indemnity Benefits Rider

Pays up to $500 for each day you’re confined to a hospital. The benefit doubles for days of confinement in intensive care. Benefits are payable for a maximum of 45 days for any period of confinement.

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