Your Personal Disability Income Protection Plan

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Your Personal Disability Income Protection Plan"

Transcription

1 Your Personal Disability Income Protection Plan Prepared for: Kimberly Garrison September 25, 2015 Presented by: Joe Capone, ChFC, LUTCF Insuring Income 160 Gould Street Suite 310 Needham, MA Protector Essential SM Individual Disability Income Insurance Illustration Standard Insurance Company 1100 SW Sixth Avenue Portland, OR A subsidiary of StanCorp Financial Group, Inc.

2 Protect Your Most Valuable Asset Your Income You probably already insure valued assets like your home and your car. Protector Essential Individual Disability Income (IDI) insurance is designed to help you offset the loss of income following a disabling accident or illness. Taking this step now could mean the difference between a secure future for you and your family and a devastating financial burden. This illustration shows how The Standard s Protector Essential provides comprehensive coverage to meet your needs, from inflation protection to extended benefits. What Are The Odds Of A Disability Happening To You? Just over 1 in 4 of today's 20 year-olds will become disabled before reaching age How Long Does The Average Disability Last? This chart shows the average duration of disabilities lasting more than 90 days. Duration of disability is measured from the start of disability to (at most) age 65. Average duration for insured individuals of a disability lasting more than 90 days and ending before age 65, based on the individual s age when disability begins. Individual Disability Experience Committee of the Society of Actuaries, Count On The Standard The Standard ranks among the leading IDI insurance carriers in the nation. 2 You can be confident that we re financially strong, our disability products are high in quality and we can pay what we promise now and in the future. Our goal is to give you the kind of expert, friendly service we wish for ourselves and our families. For more than 100 years, we ve lived up to that promise. 1 Social Security Administration, Fact Sheet June Based on active policies. Gen Re 2012 Individual DI Market Survey The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Standard Insurance Company is licensed to solicit insurance business in all states except New York (10/10) Policy Form B152FL Page 2 of 10

3 Protect Your Earning Power With Protector Essential Your Lifetime Earnings And Maximum Potential Benefit Your Current Age: 45 Your Current Annual Income: $72,000 Your Earning Potential To Age 67: $1,584,000 (does not include raises) Your Maximum Potential Benefit With Protector Essential $926,550 Comparing your potential long-term earnings and benefits helps show how valuable income protection can be. While unlikely, if you became totally disabled immediately after the policy became in force, and you remained totally disabled until the end of the Maximum Benefit Period, $926,550 is the total potential base policy benefit you would receive (based on a $3,550 monthly benefit). This does not include any amount that may be payable under any rider. How Much Income Can You Replace With Protector Essential? Your Income: $72,000 Current Income Protection Income Protection With Protector Essential 59% Current Income Replacement: 0% Potential Income Replacement: 59% Legend Individually-Paid Protector Essential: Based on quoted coverage and gross income and assumes non-taxable benefits. Not Covered (10/10) Policy Form B152FL Page 3 of 10

4 Your Personal Disability Income Protection Plan Insured: Kimberly Garrison Total Monthly Benefit: $3,550 Premiums Payable To: Age 67 Sex/Age: Female/45 Waiting Period: 90 Days Risk Class: Non Tobacco Occupation Class: A Maximum Benefit Period: To Age 67 # Coverage Overview Monthly Benefit Description Annual Premium $3,550 Base Policy Benefit* $3, Policy Fee $40.00 Base Coverage Features Benefit for Presumptive Disability Included Residual Disability Included Included Survivor Benefit Included Unlimited Mental Disorder Included and/or Substance Abuse Benefit Optional Riders Selected Indexed Cost of Living Rider* $ % maximum increase Total Annual Premium $3, Total Annual Benefit Semi-Annual Premium Quarterly Premium Monthly Premium $42,600 $1, $1, $ See the next page for additional premium modes available. Office Use Only: PE 6713; E RES 13; E COL3 13; Version , Update 363 * Premiums for these benefits may change as other benefits are added or deleted. # Determined by age when disability begins (10/10) Policy Form B152FL Page 4 of 10

5 Choose The Options That Work Best For You Annual Premiums For Alternative Benefit And Waiting Periods Benefit Period Waiting Period 60 Days 90 Days 180 Days 365 Days 730 Days 2 Years N/A N/A N/A N/A N/A 5 Years $2, $2, $1, $1, N/A To Age 67 $4, $3, $3, $2, $2, Your Payment Options The net annual premium as illustrated: $3, The chart below displays the cost of premiums if paid other than annually, and the difference in cost to you each year. Premium Mode And Number of Annual Premium Premium Total Annualized Cost Difference Payments Per Year Multiplier by Mode 4 Premium 5 Per Year 6 Special Monthly (12) $ $4, $ Quarterly (4) $1, $4, $ Semi-Annually (2) $1, $3, $ The Premium by Mode is the Net Annual Premium times the applicable Annual Premium Multiplier. 5 The Total Annualized Premium is the Modal Premium times the Number of Payments Per Year for that mode. 6 The Cost Difference Per Year is the total difference over a year between the Net Annual Premium and the Total Annualized Premium for the particular Premium Mode (10/10) Policy Form B152FL Page 5 of 10

6 Protector Essential Base Policy Features Benefit For Total Disability $3,550 After the waiting period and during your total disability, we will pay the total disability benefit for up to the maximum benefit period, subject to policy terms and limitations. The waiting period is the number of days of disability required before you are eligible for benefits. You are totally disabled if, because of your injury or sickness: 1. For the first 12 months of disability, you are unable to perform the substantial and material duties of your regular occupation; after the first 12 months of disability, you are unable to perform the substantial and material duties of your regular occupation and you are not engaged in the substantial and material duties of any occupation for which you are or become qualified by reason of education, training, or experience; and 2. You are under the regular care of a physician appropriate for your injury or sickness. This physician's care requirement will be waived when we receive written proof, satisfactory to us, that further care would be of no benefit to you. Your regular occupation is your occupation at the time your disability begins. If you have limited your practice to a professionally recognized specialty in medicine or law, the specialty will be deemed to be your regular occupation. Presumptive Total Disability If you permanently lose your hearing, speech, sight or the use of two limbs, we will pay the total disability benefit, beginning with the day of the loss, but not beyond the maximum benefit period. Residual Disability Benefit Rider The residual disability benefit pays a benefit if you are not totally disabled, but you are disabled enough to incur at least a 20% loss of income and if, because of injury or sickness: 1. You are able to perform some, but not all, of your regular occupation s substantial and material duties, or you are able to perform all of these duties but not for as long a time or as effectively as before; and 2. You are under the care of a physician. The monthly benefit amount for a residual disability is equal to the basic monthly benefit that would have been payable if you were totally disabled and this rider is part of the policy, times the loss of income for that month divided by Indexed Prior Monthly Earnings. At least a 20% loss of income is required. Benefits begin on the later of the commencement date or the day after your total disability ends. The minimum benefit payment for the first six months under this rider is 50% of the policy s basic monthly benefit. A benefit for total disability does not have to be paid before the residual disability benefit is payable. If you are unable to earn at least 20% of your Indexed Prior Monthly Earnings, we will pay the full basic monthly benefit. The rider also pays a recovery benefit if the insured returns to work at least 30 hours per week after a period of disability for which residual disability benefits were paid. The benefit will be payable in a lump sum and will equal the lesser of: 1) six times the basic monthly benefit; 2) the total residual disability benefit paid prior to recovery; or 3) the number of months remaining in the maximum benefit period times the basic monthly benefit. Continuous Disability Recurrent periods of disability from the same cause or causes are considered one period of continuous disability if separated by your recovery of less than 12 full months. No benefits are due or payable during any period of recovery (10/10) Policy Form B152FL Page 6 of 10

7 Rehabilitation Benefit If you join a vocational rehabilitation program, approved by The Standard, while you are receiving disability benefits, we will pay the difference, if any, between the benefit you would be eligible for if you were totally disabled, and the disability benefit for which you are eligible. This benefit will be paid for the lesser of 36 months or the number of months left in the maximum benefit period. We will also pay any reasonable costs for the program not paid by other plans, policies or programs. Premium Waiver Benefit While you are disabled and after the earlier of the date benefits start or the 90th day of continuous disability, we will waive premiums due under the policy. We will continue to waive future premiums while disability benefits are payable. After completion of the waiting period, we will refund any premium due and paid after the date your disability started. Survivor Benefit If you die while receiving total disability benefits, we will continue these benefits, payable to the owner or owner's estate, for up to three months, but not beyond any remaining maximum benefit period. Cosmetic and Transplant Surgery Benefit We will consider you as disabled if, more than six months after the policy is effective, you become disabled due to cosmetic or transplant surgery (10/10) Policy Form B152FL Page 7 of 10

8 POLICY RENEWABILITY AND PREMIUMS Guaranteed Renewable Your coverage is guaranteed renewable to the termination date as long as the premium is paid on time. The policy ends at that time unless you ask that it be continued under the Renewal Option (see below). We cannot change any feature of your policy, except for the premium, until the termination date. The premium may be changed only if the change applies to all policies with similar benefits insuring the same risk class. Renewal Option Renewable for Life: You may ask to continue the policy beyond the termination date under the Renewal Option if you are working at least 30 hours per week and are not disabled at the time of your request. Only the total disability benefit will be available. The benefit period is limited after age 67 and the premium may change. The policy will end after one period of disability under this option. Waiting Period 90 Days The waiting period is that period, measured from the first day of your disability, throughout which you must be disabled before disability benefits become payable. If you remain continuously disabled, you are eligible for disability benefits after the waiting period ends. Regardless of the number or length of any periods of recovery during your disability, for a benefit to be payable, the waiting period must be satisfied within the total number of consecutive days which equals two times the waiting period if 180 days or less, or one and a half times the waiting period if longer than 180 days. Maximum Benefit Period To Age 67 The maximum benefit period is the longest continuous period of time we will pay disability benefits during each continuous disability. For any maximum benefit period we will not pay benefits beyond the later of the policy termination date or the date on which 24 months of benefits have been paid for any continuous disability. If the Renewal Option is selected and benefits begin after age 64 (or 65 if appropriate) but before age 75, we will not pay for more than two years. For benefits starting after age 75, we will not pay benefits for more than 12 months (10/10) Policy Form B152FL Page 8 of 10

9 Exclusions And Limitations Exclusions From Coverage We will not pay benefits for the first 90 days of your disability due to pregnancy or childbirth, unless your disability is due to complications of pregnancy, and we will not pay benefits for disability due to war. We also will not pay benefits for disability caused or contributed to by your committing an assault or felony or participating in a riot, for disability while confined to a penal institution, or for disability caused by intentionally self-inflicted injury. After two years from the later of the policy's effective date or last reinstatement date, no misstatements in the application will be used to rescind the policy or deny a claim for disability starting after the end of the two-year period (this may be three years in some states). However, we will not pay benefits for any disability if fraud is involved or if the condition is specifically excluded (10/10) Policy Form B152FL Page 9 of 10

10 Optional Benefit Riders Indexed Cost of Living Benefit Rider The Indexed Cost of Living Benefit rider increases Disability income payments by an indexed percentage amount at each anniversary of continuous Total or Residual Disability for which a benefit is payable. The monthly benefit amount is a percentage of the base amount for Total or Residual disability. The percentage applied is based on the average annual change in the Consumer Price Index for All Urban Consumers (CPI-U) subject to a cap of either 3% or 6%, whichever is selected on the application. The maximum adjustment in any year is 3% or 6%. The benefit will not decrease even if the CPI-U decreases. The owner also has the option, on recovery from disability, of purchasing the benefit increases provided by the rider during disability (10/10) Policy Form B152FL Page 10 of 10

11 Underwriting Requirements (for Agent use only) Additional information regarding occupation classes, issue limits and underwriting requirements can be found in the Individual Disability Insurance Manual. For the proposed policy we require: Complete Application HIV/AIDS Test Authorization if required by state Income Documentation (W-2, Complete Tax Return, Pay Stub) Mini-exam Blood Profile Home Office Specimen (HOS) If other coverage is in force with The Standard, there may be additional requirements. For those employed in the health care profession, including those performing invasive procedures or who draw or handle blood, a blood profile and urinalysis are required for any amount. The Standard requires that you use a paramedical facility approved by The Those organizations are listed in the Individual Disability Insurance Manual. Please indicate that the results are to be sent to The Standard in Portland, Oregon (10/10) Policy Form B152FL

12 Understanding Income Documentation Income documentation is required for all disability income insurance applications (except for Simplified Underwriting, and select Students and New Professionals). The documentation required depends on the applicant s business entity, as shown in the table below. Documentation 1 for Protector Platinum SM, Protector Business Business Employer- Entity Essential, and Protector+ Protector Equity Protector What Income Figure to Use Paid Limits Students, Not Required unless requested by the underwriter For new in private Not available See Student/New Professional Guidelines in the Not eligible for Residents, New practice Special Occupations Section for benefit limits employer - paid Professionals Professionals, limits. please contact your underwriter. Non-owner Complete Form 1040 for most recent year including all Not available Not available W-2 box #5 labeled Medicare Wages and Tips OR May apply for employee schedules, W-2s of the proposed insured OR If income Project year-to-date salary to determine annual employer-paid is from salary only, provide copy of paystub showing a income. Do not project commissions or bonuses. 2 limits. 3 Independent minimum of six months of YTD income OR If 1099 OR 1099 s report income from independent contractors are not income, complete 1040 to include related Schedule C contractors. Most likely filed under a Schedule C, eligible for employerbut may be reported as other income paid limits. Owner of Sole Complete Form 1040 and Schedule C Schedule C from Not available Schedule C line #31 Not eligible for Proprietorship personal tax return employer - paid limits. C Corporation Complete W-2s of the proposed insured. Business Tax Business tax form 2 years complete W-2 box #5 labeled Medicare Wages and Tips May apply for Owner Form 1120 is required if 50%+ owner (non-medical 1120 business tax employer - paid occupations only) returns limits. 3 S Corporation Complete 1040, W-2s, and Schedule E OR Corporate Business tax form 2 years complete W-2 box #5 plus Schedule E Nonpassive income, May apply for Owner Tax Return Form 1120S and Schedule K-1 (1120S) 1120S business tax subtract Nonpassive loss, Section 179 Expense. 4 employer-paid limits returns Passive may be counted as unearned income. OR if the proposed Add 1120S line 7 (owner s share shown on W-2) and K-1 box number 1, subtract line 11 insured owns 2% or less of the business. 3 Partnership Complete 1040, Partnership Form 1065, Schedule K-1 Business tax form 2 years complete Add K-1 lines 1 and 4, subtract line 12 Not eligible for (1065) 1065 business tax employer-paid limits. returns LLC or LLP The type of business tax return filed for the LLC or LLP See appropriate 2 years complete Refer to the appropriate requirements above for See appropriate will govern the documentation required. business entity business tax regular corporations and partnerships. business entity above returns above The Standard reserves the right to require additional financial information on any applications regardless of amount, if necessary to reach an underwriting decision or to secure reinsurance. The Standard also reserves the right to limit or modify the amount of insurance coverage offered regardless of earned income, other financial information or other insurance in force. Two years of tax returns are required for business owners applying for the Business Owner Upgrade. 1 For some occupations, the occupation rating schedule in The Standard s Individual Disability Insurance Manual requires documentation of more than one year s earned income to qualify for an occupation classification. Examples include stockbrokers, real estate agents and insurance producers. 2 For bonus or commission to be considered as income, at least two years documentation is required. 3 To be eligible for employer-paid limits, the premium cannot be included in taxable income and the employee may not reimburse the employer for the premium. 4 Up to 20 percent of Section 179 depreciation can be added to the income to allow for an additional benefit of up to $1,000 a month. The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Standard Insurance Company is licensed to solicit insurance business in all states except New York (10/10) Policy Form B152FL

Individual Disability Insurance

Individual Disability Insurance Individual Disability Insurance One Key To A Secure Financial Future Standard Insurance Company The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance

More information

Producer Instructions and Information Report On A Policy Increase Option Application

Producer Instructions and Information Report On A Policy Increase Option Application Producer Instructions Producer Instructions and Information Report On A Policy Increase Option Application Note: Any policy and riders issued will be those most comparable to the base policy and riders

More information

Accumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied.

Accumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied. Accumulation of Days of Disability In better disability policies, the Elimination Period days do not need to be consecutive. They may be accumulated, assuming each period of disability is not separated

More information

STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888

STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888 STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888 INSURED: POLICY NUMBER: BUSINESS EQUITY PROTECTOR BUSINESS BUY-OUT EXPENSE DISABILITY COVERAGE OUTLINE OF COVERAGE

More information

STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888

STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888 STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888 INSURED: POLICY NUMBER: BUSINESS PROTECTOR DISABILITY INCOME PROTECTION COVERAGE OUTLINE OF COVERAGE READ YOUR

More information

Protector Platinum SM Guarantee Issue Individual Disability Income Insurance

Protector Platinum SM Guarantee Issue Individual Disability Income Insurance February 2011 Protector Platinum SM Guarantee Issue Individual Disability Income Insurance Protector x Platinum SM GI Form For 15397PPT 2010 producer Standard (Rev training Insurance 2/11) only. Company

More information

Disability Insurance. Financial Protection For Individuals And Business Owners. Standard Insurance Company Individual Disability Insurance

Disability Insurance. Financial Protection For Individuals And Business Owners. Standard Insurance Company Individual Disability Insurance Disability Insurance Financial Protection For Individuals And Business Owners Standard Insurance Company Individual Disability Insurance Income Protection When You Need It Most The home you live in, the

More information

Why Disability Insurance

Why Disability Insurance Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and

More information

Business Overhead Protector SM

Business Overhead Protector SM Business Overhead Protector SM Sample Disability Business Overhead Expense Insurance Policy Standard Insurance Company For use in California Standard Insurance Company INSURED: POLICY NUMBER: BUSINESS

More information

Why Disability Insurance

Why Disability Insurance Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and

More information

Why Disability Insurance

Why Disability Insurance Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and

More information

Short-Term Disability

Short-Term Disability MUTUAL of OMAHA INSURANCE COMPANY THAT WORKS FOR ME. Disability Insurance Choice Portfolio Short-Term Disability Prepared for: Presented by: DOVETAIL SHORT & LONG TERM DI Home Office none 402-351-0000

More information

Protector PlatinumSM. Sample Individual Disability Income Insurance Policy. Standard Insurance Company. Individual Disability Income Insurance

Protector PlatinumSM. Sample Individual Disability Income Insurance Policy. Standard Insurance Company. Individual Disability Income Insurance Protector PlatinumSM Sample Individual Disability Income Insurance Policy Standard Insurance Company Individual Disability Income Insurance 2 Standard Insurance Company INSURED: POLICY NUMBER: DISABILITY

More information

Long-Term Disability

Long-Term Disability THAT WORKS FOR ME. Disability Insurance Choice Portfolio Long-Term Disability Prepared for: Presented by: DI AS AN INCOME PROTECTOR Home Office none 402-351-0000 Mutual of Omaha Insurance Company, Mutual

More information

Long Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO

Long Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Long Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This

More information

The ProVider Plus Competitive Advantage

The ProVider Plus Competitive Advantage The ProVider Plus Competitive Advantage Here are some noteworthy product features to distinguish Berkshire s ProVider Plus flagship product offering when in competition with These competitive advantages

More information

Standard Insurance Company Voluntary Short Term Disability Coverage Highlights Northeast Georgia Diagnostic Clinic, LLC

Standard Insurance Company Voluntary Short Term Disability Coverage Highlights Northeast Georgia Diagnostic Clinic, LLC Voluntary Short Term Disability (STD) Insurance Short Term Disability insurance pays a weekly benefit in the event you cannot work because of a covered illness or injury. An STD benefit replaces a portion

More information

Long Term Disability Insurance

Long Term Disability Insurance Long Term Disability Insurance For Employees Participating In OEBB Plans Standard Insurance Company Long Term Disability Insurance About This Brochure This brochure and the accompanying Oregon Educators

More information

GI (Guarantee Issue) Program

GI (Guarantee Issue) Program Standard Insurance Company Individual Disability Insurance 1100 SW Sixth Avenue Portland OR 97204-1093 Proposed Insured Short Form Application for Disability Income Insurance GI (Guarantee Issue) Program

More information

The ProVider Plus Competitive Advantage

The ProVider Plus Competitive Advantage The ProVider Plus Competitive Advantage Here are some noteworthy product features to distinguish Berkshire s ProVider Plus flagship product offering when in competition with These competitive advantages

More information

Expanded Long Term Disability Insurance

Expanded Long Term Disability Insurance Expanded Long Term Disability Insurance Professional Engineers In California Government STANDARD INSURANCE COMPANY This program is sponsored by the Professional Engineers in California Government PECG

More information

MetLife Income Guard Compared to Guardian Provider Plus 1400

MetLife Income Guard Compared to Guardian Provider Plus 1400 DISABILITY INSURANCE SM MetLife Income Guard Compared to 1400 MetLife Income Guard is a noncancelable and guaranteed renewable individual disability insurance (IDI) product that offers a variety of competitive

More information

St. Thomas University

St. Thomas University St. Thomas University Group Policy Number: G0050234 Plan B: Support Staff Employee Name: Certificate Number: Welcome to Your Group Benefit Program Group Policy Effective Date: September 1, 2010 This Benefit

More information

Physician Disability Insurance Guide

Physician Disability Insurance Guide Physician Disability Insurance Guide This guide will educate you about definitions of disability, policy provisions, types of policies, how insurance companies determine the amount of disability coverage

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Simpson College

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Simpson College Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Simpson College Your Group Long Term Disability Insurance Plan GROUP POLICY NUMBER - 64067 POLICY EFFECTIVE DATE - January 1,

More information

Supplemental Long Term Disability Insurance

Supplemental Long Term Disability Insurance Supplemental Long Term Disability Insurance FOR EMPLOYEES OF THE STATE OF SOUTH CAROLINA Answers to your questions about coverage from Standard Insurance Company S TA N D A R D I N S U R A N C E C O M

More information

Long Term Disability Insurance

Long Term Disability Insurance Long Term Disability Insurance Massachusetts Board of Higher Education STANDARD INSURANCE COMPANY Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company

More information

Group Long Term Disability Insurance

Group Long Term Disability Insurance Group Long Term Disability Insurance For Active Members of New Mexico Public Schools Insurance Authority Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This

More information

Voluntary Long Term Disability Insurance EMPLOYEES OF CITY OF NORFOLK

Voluntary Long Term Disability Insurance EMPLOYEES OF CITY OF NORFOLK Voluntary Long Term Disability Insurance EMPLOYEES OF CITY OF NORFOLK Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet

More information

GROUP DISABILITY INSURANCE

GROUP DISABILITY INSURANCE GROUP DISABILITY INSURANCE GROUP DISABILITY INSURANCE GROUP DISABILITY INSURANCE for New Employees of for New Employees of FLORIDA ATLANTIC UNIVERSITY FLORIDA ATLANTIC UNIVERSITY Underwritten by: Standard

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance Developed for the Employees of City of Colorado Springs (Employees with less than 5 years of PERA Service) (City Council Members) How This Program Protects You If you suffer

More information

$100 or 10% $100 or 10%

$100 or 10% $100 or 10% Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance Developed for the employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future If you re physically healthy, you can work, play,

More information

Disability Income. THE SALARY SAVER 6A, 5A, 4A, 3A, 2A Specimen Contract

Disability Income. THE SALARY SAVER 6A, 5A, 4A, 3A, 2A Specimen Contract Disability Income THE SALARY SAVER 6A, 5A, 4A, 3A, 2A Specimen Contract The Strength of MetLife Selecting the right insurance company is as important as choosing the right coverage. At MetLife, we ve earned

More information

Voluntary Long Term Disability Insurance

Voluntary Long Term Disability Insurance Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company Harvard University Voluntary Long Term Disability Chances are you already purchase home,

More information

ContinuON Income SolutionsSM

ContinuON Income SolutionsSM Disability Income Insurance ContinuON Income SolutionsSM Marketing Guide ecause life doesn t stop SM at disability Headline Introduction... 4 Products & Features Individual Non Cancellable, Classes: 5M,,,

More information

Special Guaranteed Issue Offer for Long-Term Disability Insurance

Special Guaranteed Issue Offer for Long-Term Disability Insurance Special Guaranteed Issue Offer for Long-Term Disability Insurance Designed by veterinarians for veterinarians Available to AVMA Members insurance you can trust. Underwritten by New York Life Insurance

More information

Individual Disability Insurance

Individual Disability Insurance Individual Disability Insurance Safeguard Your Financial Future With The Protector Series SM Standard Insurance Company Individual Disability Insurance Your Income, Your Peace Of Mind Chances are, you

More information

Long Term Disability Insurance Plan

Long Term Disability Insurance Plan Long Term Disability Insurance Plan LONG TERM DISABILITY INSURANCE PROGRAM DESIGNED EXCLUSIVELY FOR QMA MEMBERS* Insured by : Eligibility : Period of coverage: Maximum Benefit Period : Maximum Monthly

More information

GROUP DISABILITY INSURANCE UNIVERSITY OF SOUTH FLORIDA

GROUP DISABILITY INSURANCE UNIVERSITY OF SOUTH FLORIDA GROUP DISABILITY INSURANCE WITH MEDICAL HISTORY STATEMENT GROUP DISABILITY INSURANCE (to WITH be used MEDICAL during non-open HISTORY enrollment STATEMENT periods) (to be used during non-open enrollment

More information

Nova Scotia College of Art & Design

Nova Scotia College of Art & Design Nova Scotia College of Art & Design Plan Document Number: G0080847 Group Policy Number: G0050232 Plan - All Employees Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document

More information

Benefits Handbook Date January 1, 2016. Basic Long Term Disability Marsh & McLennan Companies

Benefits Handbook Date January 1, 2016. Basic Long Term Disability Marsh & McLennan Companies Date January 1, 2016 Marsh & McLennan Companies This Plan provides you with income in case you can t work for an extended period of time because of an injury or illness. Benefits under Marsh & McLennan

More information

John Carroll University. Your Group Long Term Disability Plan

John Carroll University. Your Group Long Term Disability Plan John Carroll University Your Group Long Term Disability Plan Policy No. 581726 011 Underwritten by Unum Life Insurance Company of America 3/15/2011 CERTIFICATE OF COVERAGE Unum Life Insurance Company

More information

The University of Tennessee. Group Long Term Disability Plan

The University of Tennessee. Group Long Term Disability Plan The University of Tennessee Group Long Term Disability Plan For Academic and Exempt Employees Effective December 1, 2003 Contents What If Your Paycheck Stops?.........................1 About TIAA and The

More information

DISABILITY INSURANCE. MetLife Income Guard SM. Flexible Income Protection That Works for You.

DISABILITY INSURANCE. MetLife Income Guard SM. Flexible Income Protection That Works for You. DISABILITY INSURANCE MetLife Income Guard SM Flexible Income Protection That Works for You. Protecting your income is a smart idea. While you may already have life insurance, disability insurance can help

More information

INDIVIDUAL DISABILITY INSURANCE

INDIVIDUAL DISABILITY INSURANCE Disability Insurance Crash Course 1 AN INTRO TO INDIVIDUAL DISABILITY INSURANCE Disability Insurance Crash Course 2 AN INTRODUCTORY GUIDE TO HOW INDIVIDUAL DISABILITY INSURANCE POLICIES WORK, AND WHY YOU

More information

Florida State University. Your Group Long Term Disability Plan

Florida State University. Your Group Long Term Disability Plan Florida State University Your Group Long Term Disability Plan Policy No. 588461 011 Underwritten by Unum Life Insurance Company of America 9/11/2008 CERTIFICATE OF COVERAGE Unum Life Insurance Company

More information

Product Guide for AssurityBalance Business Overhead Expense Disability Income Protection

Product Guide for AssurityBalance Business Overhead Expense Disability Income Protection Product Guide for AssurityBalance Disability Income Protection 16105-02211 (11/15/05) For Agent use only. Product availability and features may vary by state. Product Guide for AssurityBalance Disability

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Howard University and Howard University Hospital D.B.A. Howard University, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,

More information

DISABILITY PLAN. Table of Contents

DISABILITY PLAN. Table of Contents July 2004 Table of Contents Overview...2 Summary of Disability Insurance Benefits...3 Glossary of Terms...4 Employees Eligible for Disability Insurance Coverage...9 Disability Coverage... 10 Effective

More information

President and Trustees of Bates College. Your Group Long Term Disability Plan

President and Trustees of Bates College. Your Group Long Term Disability Plan President and Trustees of Bates College Your Group Long Term Disability Plan Policy No. 128121 011 Underwritten by Unum Life Insurance Company of America 4/1/2011 CERTIFICATE OF COVERAGE Unum Life Insurance

More information

Voluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES

Voluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES Voluntary Long Term Disability Insurance FOR GOVERNMENT OF THE DISTRICT OF COLUMBIA EMPLOYEES Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This

More information

Unit 9. Berkshire Personal Disability Insurance Products

Unit 9. Berkshire Personal Disability Insurance Products Unit 9 Berkshire Personal Disability Insurance Products Let s take a close look 1 Personal DI Products High quality markets require high quality products Berkshire s individual disability income products

More information

Policy Features and Key Differences

Policy Features and Key Differences ProVider Plus & ProVider Plus Limited Comparison Insurance Proposal Policy Features and Key Differences Male, age 30, Rhode Island Proposed Coverage Details ProVider Plus ProVider Plus Limited Base Policy

More information

Keep Your Future on Course Protect Your Most Valuable Asset

Keep Your Future on Course Protect Your Most Valuable Asset Keep Your Future on Course Protect Your Most Valuable Asset Disability Income PROTECTION Contents Your Most Valuable Asset 1 Disability Could it Happen to You? 2 The Leading Causes of Disability 3 ProVider

More information

Short Term Disability Insurance CITY AND COUNTY OF DENVER

Short Term Disability Insurance CITY AND COUNTY OF DENVER Short Term Disability Insurance CITY AND COUNTY OF DENVER Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is designed

More information

Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468

Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468 Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468 DISABILITY INCOME PROTECTION COVERAGE REQUIRED OUTLINE OF COVERAGE Policy Form 1500 1. READ YOUR

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Willamette University

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA. Willamette University Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Willamette University Long Term Disability Insurance GROUP POLICY NUMBER - 29399-002 POLICY EFFECTIVE DATE - January 1, 2006

More information

Group Long Term Disability Insurance

Group Long Term Disability Insurance Group Long Term Disability Insurance The California State University S T A N D A R D I N S U R A N C E C O M P A N Y The following is a brief description of some of the coverage highlights for the California

More information

INDIVIDUAL DISABILITY INSURANCE. Individual critical illness insurance AT A GLANCE

INDIVIDUAL DISABILITY INSURANCE. Individual critical illness insurance AT A GLANCE INDIVIDUAL DISABILITY INSURANCE Professional Oasis Individual critical illness insurance AT A GLANCE Table of Contents Professional......................................1 Built-in features.................................

More information

Short Term Disability Insurance

Short Term Disability Insurance Short Term Disability Insurance For Employees Participating In OEBB Plans Standard Insurance Company Short Term Disability Insurance About This Brochure This brochure and the accompanying Oregon Educators

More information

Protector AT A GLANCE

Protector AT A GLANCE CRITICAL INDIVIDUAL ILLNESS DISABILITY INSURANCE INSURANCE AT A GLANCE Protector AT A GLANCE Table of Contents Table of Contents Protector...1 Built-in Protector features...1...2 Basic policy........................

More information

SAS Institute Inc. Your Group Long Term Disability Plan

SAS Institute Inc. Your Group Long Term Disability Plan SAS Institute Inc. Your Group Long Term Disability Plan Policy No. 99831 011 Underwritten by Unum Life Insurance Company of America 2/20/2013 SUBJECT: Group Long Term Disability CERTIFICATE OF COVERAGE

More information

INTRODUCTION. This information booklet has been prepared to give you an informal summary of the main features of your group insurance program.

INTRODUCTION. This information booklet has been prepared to give you an informal summary of the main features of your group insurance program. INTRODUCTION This information booklet has been prepared to give you an informal summary of the main features of your group insurance program. This booklet is not an insurance policy, and does not grant

More information

Fayette County Public Schools Policy # 123013

Fayette County Public Schools Policy # 123013 Educator Select Income Protection Plan Insurance Highlights Fayette County Public Schools Policy # 123013 Please read carefully the following description of your Unum Educator Select Income Protection

More information

Group Long Term Disability Insurance

Group Long Term Disability Insurance Group Long Term Disability Insurance The California State University Standard Insurance Company Group Long Term Disability Insurance The following is a brief description of some of the coverage highlights

More information

Short Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO

Short Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Short Term Disability Insurance FOR EMPLOYEES OF THE UNIVERSITY OF NEW MEXICO Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This

More information

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan...

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan... Table of Contents 1 Partnering for Success... 2 Page 2 About Liberty Mutual... 3 3 Supplementing the State's Plan... 4 4 Plan Highlights... 7 5 Questions and Answers... 9 UNC Supplemental Disability 1

More information

The Hospital Authority of Valdosta and Lowndes County dba South Georgia Medical Center

The Hospital Authority of Valdosta and Lowndes County dba South Georgia Medical Center LIFE INSURANCE COMPANY OF NORTH AMERICA 1601 CHESTNUT STREET GROUP POLICY PHILADELPHIA, PA 19192-2235 (800) 732-1603 TDD (800) 552-5744 A STOCK INSURANCE COMPANY POLICYHOLDER: POLICY NUMBER: The Hospital

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future As long as you've got your health.

More information

A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of

More information

The Protector Series SM Online Reference Product Guide

The Protector Series SM Online Reference Product Guide Individual Disability Insurance The Protector Series SM Online Reference Product Guide Revised 06/05/15 Standard Insurance Company The Standard Life Insurance Company of New York Standard Insurance Company

More information

Disability Income Protection. Business. Keeping income strong

Disability Income Protection. Business. Keeping income strong Disability Income Protection Business P r o d u c t s Keeping income strong Contents Your Most Valuable Asset 1 Disability Could it Happen to You? 2 The Leading Causes of Disability 3 ProVider Plus Disability

More information

American Academy Of Physician Assistants (AAPA) Group Disability Insurance FAQ s

American Academy Of Physician Assistants (AAPA) Group Disability Insurance FAQ s American Academy Of Physician Assistants (AAPA) Group Disability Insurance FAQ s Application Process 1. Who is eligible to participate? A Fellow member, in good standing of the American Academy of Physician

More information

St. Louis County Voluntary Long-Term Disability Insurance

St. Louis County Voluntary Long-Term Disability Insurance St. Louis County Voluntary Long-Term Disability Insurance 3 in 10 workers entering the workforce today will become disabled before retiring. 1 Are you willing to gamble with your paycheck? Why Disability

More information

Your Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University

Your Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University Your Life, AD&D and Disability Benefits Guide Enroll Now To Help Secure Your Financial Future Welcome To Your Life, AD&D And Disability Benefits Guide Protect What Matters Most Building a financial safety

More information

Voluntary Long Term Disability Insurance for Educators and Administrators

Voluntary Long Term Disability Insurance for Educators and Administrators Voluntary Long Term Disability Insurance for Educators and Administrators SAN ANTONIO INDEPENDENT SCHOOL DISTRICT Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE

More information

Individual Living Benefits Product Portfolio. Personal income, lifestyle and business protection

Individual Living Benefits Product Portfolio. Personal income, lifestyle and business protection Individual Living Benefits Product Portfolio Personal income, lifestyle and business protection PROFESSIONAL MARKET The Professional Series policy OBJECTIVE n Provides non-cancellable coverage that includes

More information

SAMPLE ONLY. TotalCare Max - Personal. Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT INDEMNITY

SAMPLE ONLY. TotalCare Max - Personal. Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT INDEMNITY TotalCare Max - Personal Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT INDEMNITY This appendix only applies if cover under the policy schedule includes the disability income protection

More information

SAMPLE ONLY. TotalCare Max Personal. Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE

SAMPLE ONLY. TotalCare Max Personal. Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE TotalCare Max Personal Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE This appendix only applies if cover under the policy schedule includes the disability income protection

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK. Marist College

Employee Group Benefits UNDERWRITTEN BY SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK. Marist College Employee Group Benefits UNDERWRITTEN BY SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK Marist College GROUP POLICY NUMBER - 810015 POLICY EFFECTIVE DATE - 93C-LH-NY Welcome to Sun Life Insurance and

More information

Lifestyle Protection Plan for Executives

Lifestyle Protection Plan for Executives Chris is 36 years old and earns $90,000 per year. He is about to suffer a massive heart attack that will put him out of work permanently...... and cost him over $4 million. Lifestyle Protection Plan for

More information

The Professional Series

The Professional Series The Professional Series INSURANCE ADVISOR GUIDE For advisor use only. PLAN CODE 964 level; 965 step rate PRODUCT TYPE Individual disability income protection SALES TIP Consider offering your client the

More information

DISABILITY INCOME PROTECTION BENEFIT INDEMNITY

DISABILITY INCOME PROTECTION BENEFIT INDEMNITY OPTIONAL BENEFIT APPENDIX TOTALCAREMAX Personal DISABILITY INCOME PROTECTION BENEFIT INDEMNITY This appendix only applies if cover under the policy schedule includes the Disability Income Protection Benefit

More information

Voluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY

Voluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY Voluntary Long Term Disability Insurance FOR EMPLOYEES OF KENT STATE UNIVERSITY Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This

More information

BENEFITS OF YOUR. Long-Term Disability Income Insurance

BENEFITS OF YOUR. Long-Term Disability Income Insurance BENEFITS OF YOUR Long-Term Disability Income Insurance Disability Benefits PARTIAL DISABILITY BENEFIT If you return to work after a covered total disability that began before age 65, you may be entitled

More information

Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE

Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE Mutual of Omaha Insurance Company Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE MC35420 T DI Choice at Work The paycheck you earn helps you build the life you want for your

More information

Your Choice Group Voluntary Long Term Disability Insurance

Your Choice Group Voluntary Long Term Disability Insurance Your Choice Group Voluntary Long Term Disability Insurance An Affordable Way To Safeguard Your Future Standard Insurance Company Group Long Term Disability Insurance About This Booklet This booklet is

More information

Voluntary Supplemental Long Term Disability Plan

Voluntary Supplemental Long Term Disability Plan PRUDENTIAL S GROUP INSURANCE Voluntary Supplemental Long Term Disability Plan Southern Illinois University #92822 Issued by The Prudential Insurance Company of America 0172180 Get Peak Protection for You

More information

Product Summary Zurich Income Replacement Insurance Plus

Product Summary Zurich Income Replacement Insurance Plus Zurich Life Risk Product Summary Zurich Income Replacement Insurance Plus Zurich proudly supports Adviser use only. Preparation Date: 1 April 2008 Zurich Australia Limited ABN 92 000 010 195 AFSLN 232510

More information

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR MONROE CO COMMUNITY COLLEGE SCHOOL NUMBER 704 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.

More information

Short-Term Disability Insurance

Short-Term Disability Insurance Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Lake County Board of County Commissioners Protecting Your Family Securing Your Future As long as you've got your health. If

More information

Summary of Disability Income and Business Overhead Expense Insurance Policies

Summary of Disability Income and Business Overhead Expense Insurance Policies Summary of Disability Income and Business Overhead Expense Insurance Policies Income is the Foundation. Protect It. DI 1248 12/11 With DInamic Foundation, you can provide needed income protection to a

More information

Long Term Disability Insurance

Long Term Disability Insurance Group Voluntary For Employees of The California State University Standard Insurance Company About This Brochure This booklet is designed to answer some common questions about the group Voluntary Long Term

More information

ProVider Plus Individual Disability Income Insurance

ProVider Plus Individual Disability Income Insurance ProVider Plus Individual Disability Income Insurance Keeping income strong Table of Contents Your income is your most valuable asset. Protect it!...........1 Disability Could it happen to you?........................2

More information

LONG-TERM DISABILITY. Table of Contents. Page i SUMMARY PLAN DESCRIPTION

LONG-TERM DISABILITY. Table of Contents. Page i SUMMARY PLAN DESCRIPTION For this plan year, the plan includes the following provisions, subject to change or discontinuation with or without notice at any time. This Summary Plan Description presents an overview of your Benefits.

More information

The Ohio State University Disability Program Specific Plan Details

The Ohio State University Disability Program Specific Plan Details The Ohio State University Disability Program Specific Plan Details Program Provisions for: Long-Term Disability (LTD) Short-Term Disability (STD) Plan Year 204 (January December 3, 204) Office of Human

More information

Income Protection Plan An Accident-Only Disability Income Insurance Plan

Income Protection Plan An Accident-Only Disability Income Insurance Plan Income Protection Plan An Accident-Only Disability Income Insurance Plan Income Protection Plus Plan An Accident & Illness Disability Income Insurance Plan M IP_P IP B 110_110 HealthMarkets is the brand

More information

Term Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12

Term Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12 Term Life Insurance Developed for the Employees of Iona College 811761 a 06/12 Who Needs Life Insurance? You do. Single or married. Buying your first home or preparing for retirement. Raising children

More information