Disability Income Insurance Plan

Disability Income Insurance Plan  

Overview

At a Glance

A disabling accident or illness can happen in the blink of an eye. That disability could place you out of work. 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 with your living expenses until you get back to work.
 

Don't let a disability put an end to your income. Disability insurance can be an essential part of everyone's portfolio.

Forms

Insurance Application and Brochure

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Tell Me More

Eligibility

Where available
This program may vary and is not available in all states.


Notes

All Actively-at-Work members and/or Spouses/Domestic partners under age 60, working a minimum of 25 hours per week and residing in the U.S., may apply for this coverage.

 

Details

Type of Insurance 
Disability Income Insurance
 

Insurance Company 
Hartford Life and Accident Insurance Company
 

Group Policy Number 
AGP-5841
 

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.
 

Important Notes

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 in full 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.

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

 Address
Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50323
 Phone
1-800-503-9230
 Hours
 M-F 8:15a-5p CT
 Email
customerservice.service@mercer.com
 Insurance Company Address
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155
Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.

FAQs

Answers about the program, including eligibility, options, customer service and more.

  • Why would I need disability insurance?

    Most people do not expect to suffer a long-term disability. However, studies show that just over 1 in 4 of today's 20 year - olds will become disabled before reaching age 67.1 What's more, one in eight workers will be disabled for five years or more during their working careers.2
     

    Your most valuable asset is your earning capacity. It's taken years of study and career advancement to achieve your position today. Yet a serious sickness or injury could jeopardize your livelihood. Even if you're young and healthy, a serious sickness or injury could put you out of work for months or even years.
     

    1Social Security Administration, "Disability Planner: Social Security Protection If You Become Disabled, viewed July 22, 2016.

    2 Council for Disability Awareness, Commissioner's Disability Insurance Tables A and C, viewed July 22, 2016 at http://www.disabilitycanhappen.org/chances_disability/disability_stats.aspx

  • Isn't Social Security designed to provide disability income?

    Yes, but you are eligible for Social Security disability benefits only if you expect to be disabled more than a year and, you’ve worked for a specified number of years based on your age and prior to your disability.1
     

    Also, the amount of benefits received depends on your age, earnings before being disabled and eligibility of family members. And many working Americans don't want to rely on Social Security because its benefits fall short of meeting their actual needs. The average monthly benefit in June 2016 for a disabled worker was $1,166.33.2
     

    1Social Security Administration, “Disability Benefits, SSA Publication No. 05-10029, May 2014, ICN 456000,” viewed July 22, 2016 at http://www.ssa.gov/pubs/10029.html#a0=1

    2Social Security Administration, “Monthly Statistical Snapshot, June 2016,” viewed July 22, 2016 at http://www.ssa.gov/policy/docs/quickfacts/stat_snapshot/

  • Who can apply for this plan?

    All Actively-at-Work members and their legal Spouses/Domestic Partners under age 60, working a minimum of 25 hours per week, 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 a waiting 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, 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 plus the waiting 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 once again.
  • 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/domestic partner 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?

    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.
  • What if I have second thoughts after I apply?

    You will have 30 days from the date of receipt to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full.
Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.