A disabling Injury or Sickness can happen in the blink of an eye. If you have to stop working, chances are your income will stop too. But it doesn't have to if you help protect yourself with disability insurance.
Under the Disability Income Insurance Plan, you can receive a monthly benefit that you select. With this benefit you can keep up better with your living expenses until you get back to work.
Don't let a disability put an end to your income. Disability insurance could be an important part of everyone's portfolio.
View the Forms section and download a no–obligation application and brochure containing detailed plan information including costs, exclusions, limitations and terms of coverage.
This plan may not be available in all states.
Disability Form Series includes GBD-1000, GBD-1200 or state equivalent.
This program may vary and is not available in all states.
All Actively-at-Work members and/or spouses under age 70, working a minimum of 25 hours per week and residing in the U.S. and its territories and protectorates, may apply for this coverage. Spouse cannot be legally separated or divorced from you.
Type of Insurance
Disability Income Insurance
Hartford Life and Accident Insurance Company
Group Policy Number
Policy Form Number
Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.
This is a listing of highlights for the above Insurance plan. Be sure to review the entire website for a detailed plan description.
This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued inforce or discontinued. Completed details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.
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|Hartford Life and Accident Insurance Company
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Hartford, CT 06155
Answers about the program, including eligibility, options, customer service and more.
Why would I need disability 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.
Isn't Social Security designed to provide disability income?
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.
Who can apply for this plan?
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.
When would benefits begin?
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.
How much coverage would I need?
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.
What benefits would I receive?
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.
How much will this coverage cost?
Your premium is based on your age, the monthly disability benefit you request and the Elimination Period (e.g., 60, 90 vs. 180 days).
When is the coverage effective?
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.
For how long can I continue this coverage?
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.
Do I have to meet with an insurance agent?
What if I have second thoughts after I apply?
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.
Disability Form Series includes GBD-1000, GBD-1200, or state equivalent. AOTA-95708
All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, and terms under which the policies may be continued in force or discontinued.