Bernardini & Donovan Insurance Services

Group Disability Plans

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We strongly encourage employers to offer Long Term Disability insurance.

If you were to become permanently disabled, how would you pay your bills? Long term disability insurance is the answer.

Long term disability insurance protects your income in the event that you are unable to perform the duties of your job, due to disability. In the event of a permanent disability, the policy can pay you a percentage of your pre-disability wages, until age 65, or, your normal retirement age. We are of the opinion that long term disability insurance is the most important insurance you can buy. Employers can offer this benefit at a very reasonable cost.

You can tailor this policy by selecting the elimination period, benefit period and optional riders that would best meet your needs.

disabled insurance

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 these 90 days.

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.

Rehabilitation Benefit

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

Critical Illness Benefits Rider

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

Terminal Illness Benefit

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

Guaranteed Renewable

This policy cannot be canceled, 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.

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.

Cost of living adjustment

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

May pay 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.

Questions about your Health Insurance Needs?

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