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 70, working a minimum of 25 hours per week and reside in the U.S., may apply for this coverage.

The choice is yours . . . benefits can begin after 60, 90 or 180 days of Total 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 $200 to $5,000 a month in $100 increments, subject to income ratios. Base your selection on your current income level and remember that you may have additional medical costs to cover. 

 

For Total Disability caused by a covered Sickness or Injury, benefits will be paid as follows:
 

If Total Disability occurs before attainment of age 64 benefits can continue until attainment of age 65. If Totally Disabled at ages 64 through 69, benefits will be payable up to 12 months, but not beyond age 70.

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

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. If you are not Actively-at-Work on that date, your effective date is postponed until you are Actively-at-Work for one month.

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 age 70. 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 Hartford Life and Accident Insurance Company. 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. Please view the Contacts section for 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 minus any claims paid.