We ve got you covered! Short and Long Term Disability from the AVMA GHLIT

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "We ve got you covered! Short and Long Term Disability from the AVMA GHLIT"

Transcription

1 We ve got you covered! Short and Long Term Disability from the AVMA GHLIT

2 Today s Purpose, Process, Payoff The purpose of today s presentation is to understand why the AVMA GHLIT offers disability insurance to veterinarians, and what it can mean for you and your family. The process is to gain an understanding of the risks of long term disability both financially and personally. The payoff is by the end of this meeting, you will understand what short and long term disability insurance do, and whether or not it is something that you should review with your authorized AVMA GHLIT representative.

3 What are the Risks? For a 32 year-old, a serious disability of 90 days or longer is 6 1/2 times more likely than death (Disability Insurance Resource Center)

4 50% of consumers have 3 months or less of their living expenses saved (Guardian Insurance & Behavior Study, 2001) 1 of 7 employees will be disabled for 5 years or more before retirement (Commissioner s Disability Table, 1998)

5 What causes a disability? According to the Council for Disability Awareness 2013 Long Term Disability Claims Review, the following were the leading causes of new disability claims in 2012: 1. Musculoskeletal/connective tissue disorders (28.5%)* 2. Cancer (14.6%) 3. Injuries and poisoning (10.6%) 4. Mental disorders (8.9%) 5. Cardiovascular/circulatory disorder (8.2%) Approximately 90% of claims are caused by illnesses rather than accidents which means they are not covered by workers comp *this category includes claims caused by neck and back pain: joint, muscle and tendon disorders, foot, ankle and hand disorders, etc.

6 Losing Income Losing Ability Additional risks due to occupation Physical Hazards caused by animals, medical equip or general work conditions Ergonomic-related: lifting and awkward postures Chemical Hazards: anesthetics, drugs, latex, agricultural dust/mold spores Disease-causing pathogens: transmitted by needle sticks, inhalation, exposure to waste. Risk from assisting injured coworker (blood borne).

7 What are we protecting? Mean value of full-time starting salaries (not including advanced study) was: $66,649 For 47.8% of the respondents above, this included additional compensation (i.e. signing bonus, moving allowance, production bonus, etc) *Source: calculated from JAVMA, Vol 235, No. 7, October 1, 2009 p830

8 Potential earnings to age 65* Age $50,000 $75,000 $100,000 $150,000 $200,000 $250, $3,023,104 $4,534,656 $6,046,208 $9,069,312 $12,092,416 $15,115, $2,378,771 $3,568,156 $4,757,541 $7,136,312 $9,515,083 $11,893, $1,882,963 $2,734,444 $3,645,926 $5,468,889 $7,291,852 $9,114, $1,343,519 $2,015,278 $2,687,037 $4,030,556 $5,374,074 $6,717, $929,946 $1,394,918 $1,859,891 $2,789,837 $3,719,782 $4,649, $573,194 $859,790 $1,146,387 $1,719,581 $2,292,775 $2,865,969 *Assumes 3% annual increases

9 According to the AVMA - Approximately 89.9% of 2010 grads stated they have debt Mean value for those claiming to have debt have..$133, % of those with debt had $150,000 or more to pay back *Source: JAVMA, Vol 237, No. 7, October 1, 2010 p798

10 Case Study:* What happens when someone becomes disabled? Dr. Jane, age 35 Went skiing last weekend and broke her wrist As a recent graduate she has student loans, rent, a car payment and credit cards to pay each month. Her monthly expenses run about $6,000. She has $12,000 in savings, which she is saving to buy her first house. Her Orthopedic surgeon says that it will take about 3 months to get back to normal if everything goes right, and she might not be able to go back to work full time right away! * Hypothetical example

11 Discussion What should Dr. Jane consider first? Does she have enough savings?

12 Credit Cards?? Loans?? Social Security Disability? Workers Comp? Accident Policy Employer will just help me out? Call Mom and Dad?!?

13 Short Term Disability coverage Short term disability coverage can replace part of your income if you are unable to work due to a covered disability. Benefits are available between $200 and $5000 monthly The AVMA GHLIT offers two plans 1 day accident/ 8 day sickness payable to 180 days 30 day elimination payable to 180 days

14 Maternity Benefits under short term disability Up to 90 days of maternity benefits for normal childbirth as prescribed by attending physician s certification pre- and post delivery* Disabilities resulting from complications due to pregnancy are not subject to these limitations Can be combined with our Hospital Indemnity coverage for additional benefits. Pregnancy is covered up to $400 per day during hospitalization.* Complicated pregnancies are covered immediately. Newborn dependents are eligible for benefits at birth (must send written notification within 30 days). *The maximum benefit period for such a disability will be no more than 3 months. There is a pre-existing condition limitation in the policy. The physician needs to complete the medical provider s statement and the member needs to be under the regular care of a physician. Benefits will not be paid for a pre-existing pregnancy until the end of 9 consecutive months during which the member has been insured under the short term disability income coverage.

15 Losing your earning power can: Create more debt Deplete savings entirely Force you/your family to change lifestyles

16 What helps preserve your paycheck? Long Term Disability Insurance Age Provides a monthly check if you are out of work due to a covered disability. Max. monthly benefit available is based on age and earnings from the previous year equal to 60% or 70% of yearly income. Some employers offer group disability insurance Individual or some association group Disability plans are PORTABLE (unlike group employer insurance),000 $

17 Case study: Dr. John* Dr. John has been having numbness in his right hand, and is having difficulty with surgery. Upon diagnosis from his doctor, he finds out that it is caused by a neurological disorder, and his condition will not improve, and it will deteriorate over time. Dr. John stops operating on patients immediately, and with help can still do exams. Within 6 months, his condition has worsened, and he can no longer work as a veterinarian. Dr. John owns his practice with his partner Dr. Beth. They have a business loan of $1million, and some other equipment loans. They have 3 full time associates and 10 other staff people. Dr. John is the primary earner for his family. His wife Susie is a stay at home mom, raising their 4 children ages She hasn t worked in 14 years, and it would be hard for her to re-enter the workforce. Dr. John could absolutely go and get another job, he just couldn t work as a veterinarian due to his hands not being steady. They do not live near a veterinary college. * Hypothetical example

18 Let us help you! You have a lot to protect! Call the AVMA GHLIT at Or contact your local AVMA GHLIT Authorized Representative

19 Case Study: Dr. John What are things that Dr. John should consider? Would he be covered by Social Security? Workers Comp?

20 Long Term Disability Insurance from the AVMA GHLIT Coverage available from $1,000 monthly to $10,000 monthly (if purchased before age 50) Waiting Period Options: 30 Day Waiting Period 90 Day Waiting Period 180 Day Waiting Period Residual Benefits are payable if you are able to return to work at a reduced income due to your disability.

21 Long Term Disability Riders/Options* Own Occupation Plus Benefit- allows you to receive full benefits if you are unable to perform the duties of your own occupation and there is a loss of at least 25% of pre-disability earnings. Cost of Living Adjustment- helps protect you from the increased costs while disabled due inflation. Benefits adjust up to 8% on each anniversary date based on the consumer price index. Future Purchase Option- allows you to increase your disability coverage at a future date without medical underwriting. Options are available from $500 to $4,000 in monthly benefits. Basic Protection Plan- Over 70% of the GHLIT Disability policy holders purchase this rider for additional life and AD&D protection as well as a $600 Rabies Prophylaxis benefit with titer coverage. * Available at an additional cost.

22 Why AVMA GHLIT? Your membership benefit of the AVMA Products tailor-made for you by a board of trustees of experienced veterinarians Provides group purchasing power of thousands of veterinarians across the nation Over 32,000 veterinarians and students are currently insured with the Trust

23 Plans underwritten by New York Life Insurance Company (NY, NY 10010) on Group Policy G-14884/14885/14886/Face Policy Form GMR. All plans may not be available in all states.

STUDENT LIFE & DISABILITY INSURANCE

STUDENT LIFE & DISABILITY INSURANCE STUDENT LIFE & DISABILITY INSURANCE Available Exclusively to SAVMA Members Underwritten by New York Life Insurance Company LIFE & DISABILITY IMPORTANT INSURANCE PROTECTION WHILE YOU RE IN SCHOOL FOR LESS

More information

A Guide To Protecting Your Future

A Guide To Protecting Your Future A Guide To Protecting Your Future Why Do You Need Insurance? What Do You Have To Protect? Protection for today- Health Insurance Protect you and your family day-to-day Disability Insurance Protect your

More information

Disability Insurance: A sound financial foundation includes income protection

Disability Insurance: A sound financial foundation includes income protection Disability Insurance: A sound financial foundation includes income protection Introduction...1 An important financial safety net...2 Many are not eligible for Social Security or workers compensation benefits...3

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

AVMA GHLIT Group Disability Income Insurance Plan and Basic Protection Package

AVMA GHLIT Group Disability Income Insurance Plan and Basic Protection Package AVMA GHLIT Group Disability Income Insurance Plan and Basic Protection Package Designed by veterinarians for veterinarians Insurance you can trust. Underwritten by New York Life Insurance Company (NY,

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

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

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

34.6 MONTHS ONLY YOU KNOW WHAT MATTERS MOST. We re here to help

34.6 MONTHS ONLY YOU KNOW WHAT MATTERS MOST. We re here to help ONLY YOU KNOW WHAT MATTERS MOST We re here to help GROUP DISABILITY INCOME INSURANCE PLAN UNDERWRITTEN BY: New York Life Insurance Company The American Chemical Society (ACS) Group Disability Income Insurance

More information

disability Taking Care of Business Activity...43 Johnny s Lucky Break Activity...43 What Do You Know? Knowledge Assessment Quiz...

disability Taking Care of Business Activity...43 Johnny s Lucky Break Activity...43 What Do You Know? Knowledge Assessment Quiz... disability Disability Insurance Disability Insurance Pre-/Post-Quiz...41 Lesson 1: What Do You Know About Disability Insurance?...42 Taking Care of Business Activity...43 Johnny s Lucky Break Activity...43

More information

Income Insurance LONG-TERM DISABILITY GALENA PARK. Enhanced (SSNRA/3Y) Disability Income Plan

Income Insurance LONG-TERM DISABILITY GALENA PARK. Enhanced (SSNRA/3Y) Disability Income Plan LONG-TERM DISABILITY Income Insurance Underwritten by: American Fidelity Assurance Company GALENA PARK Enhanced (SSNRA/3Y) Disability Income Plan Coverage Options Benefits Paid Directly to You Excellent

More information

In the AMA Tradition... Serving the insurance Needs of Physicians and Their Families

In the AMA Tradition... Serving the insurance Needs of Physicians and Their Families In the AMA Tradition... Serving the insurance Needs of Physicians and Their Families Almost three decades ago, the American Medical Association (AMA) - recognizing the importance of highquality insurance

More information

AVMA GHLIT Group Supplemental Disability Income Insurance Plan

AVMA GHLIT Group Supplemental Disability Income Insurance Plan AVMA GHLIT Group Supplemental Disability Income Insurance Plan (for Educational Expense Obligations) Designed by veterinarians for veterinarians v Insurance you can trust. Underwritten by New York Life

More information

AAD Group Disability Income Insurance Plan. Frequently Asked Questions

AAD Group Disability Income Insurance Plan. Frequently Asked Questions Frequently Asked Questions 1. What is Disability Income Insurance and why would I need it? Disability Income Insurance can help pay the bills after your short-term benefits are depleted. Many times you

More information

AVMA GHLIT Group Professional Overhead Expense Plan

AVMA GHLIT Group Professional Overhead Expense Plan AVMA GHLIT Group Professional Overhead Expense Plan Designed by veterinarians for veterinarians Insurance you can trust. Underwritten by New York Life Insurance Company (NY, NY 10010) Professional Overhead

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

What every Physician should. Disability Insurance. By J. Christopher Burke, FLMI President, AMA Insurance Agency, Inc.

What every Physician should. Disability Insurance. By J. Christopher Burke, FLMI President, AMA Insurance Agency, Inc. Physician White Paper What every Physician should Know About Disability Insurance. By J. Christopher Burke, FLMI President, AMA Insurance Agency, Inc. Traditionally, physicians are a financially conservative

More information

LONG TERM DISABILITY INSURANCE PLAN

LONG TERM DISABILITY INSURANCE PLAN A benefit of your membership! INSURANCE SPECIALISTS, INC. LONG TERM DISABILITY INSURANCE PLAN Long Term Disability coverage endorsed by your association as a benefit of your membership. Help protect your

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 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

long-term www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243

long-term www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243 long-term disability insurance www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243 Long-Term Disability Insurance a serious illness or injury can turn your life upside down for months

More information

Guide to Disability Income. Insurance. America s Health. Insurance. Plans

Guide to Disability Income. Insurance. America s Health. Insurance. Plans America s Health Insurance Plans Guide to Disability Income Insurance I Although frequently revised, this guide includes information that is subject to changing federal and state laws. AHIP provides this

More information

If Disability Stops Your Pay, Will You Have the Ability to Pay Your Bills?

If Disability Stops Your Pay, Will You Have the Ability to Pay Your Bills? If Disability Stops Your Pay, Will You Have the Ability to Pay Your Bills? SHORT-TERM DISABILITY INSURANCE LIMITED BENEFIT DISABILITY INCOME PROTECTION INSURANCE Underwritten by: American Family Life Assurance

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

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

Long-Term Disability. Income Insurance. Non-Clerical Education Support Personnel. Plan Designed Specifically For: Effective: 10-1-2012

Long-Term Disability. Income Insurance. Non-Clerical Education Support Personnel. Plan Designed Specifically For: Effective: 10-1-2012 Effective: 10-1-2012 American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Non-Clerical Education Support Personnel Why Do You Need Disability Income

More information

The Intelligent Choice for Basic Disability Income Protection. Keeping Income. strong

The Intelligent Choice for Basic Disability Income Protection. Keeping Income. strong The Intelligent Choice for Basic Disability Income Protection ProVider Plus Limited Keeping Income strong We purposefully engineer our basic disability income product to provide benefit-rich features delivering

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

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

1. What is the difference between basic and supplemental disability insurance?

1. What is the difference between basic and supplemental disability insurance? Flex FAQs Disability Insurance 1. What is the difference between basic and supplemental disability insurance? Basic disability insurance is provided at no cost to all City employees who are eligible for

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

Short-Term Disability Insurance What happens if I can t work for a month or two or more? A broken arm, surgery or having a baby could keep you out of commission and off the job for six to eight weeks or longer. Your medical insurance

More information

Technicians Insurance Program

Technicians Insurance Program YOUR ACCEPTANCE TO OUR INSURANCE PLANS IS GUARANTEED...If you apply during your first 31 days of employment or if you apply during an official enrollment. ACT NOW BEFORE SPECIAL ELIGIBILITY ENDS! Guaranteed

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

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN Chicago State University #50563 Eastern Illinois University #93024 Governors State University #92820 Illinois State University #92821 Northeastern Illinois

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

Disability Insurance Protection for disabling sickness or injuries

Disability Insurance Protection for disabling sickness or injuries Is your income protected? What would you or your family be able to live without if you were disabled and lost your ability to earn a paycheck? CAR GROCERIES HOME Disability Insurance Protection for disabling

More information

Voluntary Group Long Term Disability Insurance

Voluntary Group Long Term Disability Insurance T H E S T A N D A R D L I F E I N S U R A N C E C O M P A N Y O F N E W Y O R K Voluntary Group Long Term Disability Insurance FOR B E N E F I T S E L I G I B L E E M P L O Y E E S O F S Y R A C U S E

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

Income Insurance SHORT-TERM DISABILITY AMARILLO ISD. Short-Term Disability Income Plan

Income Insurance SHORT-TERM DISABILITY AMARILLO ISD. Short-Term Disability Income Plan SHORT-TERM DISABILITY Income Insurance Underwritten by: American Fidelity Assurance Company AMARILLO ISD Short-Term Disability Income Plan Coverage Options Benefits Paid Directly to You Excellent Customer

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

AVMA GHLIT Family Group Life Insurance Plan

AVMA GHLIT Family Group Life Insurance Plan AVMA GHLIT Family Group Life Insurance Plan Designed by veterinarians for veterinarians v Insurance you can trust. Underwritten by New York Life Insurance Company (NY, NY 10010) DESIGNED BY VETERINARIANS

More information

Long-Term Disability. Income Insurance. Plan Designed Specifically For: San Marcos ISD. American Fidelity Assurance Company s

Long-Term Disability. Income Insurance. Plan Designed Specifically For: San Marcos ISD. American Fidelity Assurance Company s American Fidelity Assurance Company s Long-Term Disability Income Insurance SB-25403(FF)-0712 HOME OFFICE 2000 North Classen Boulevard Oklahoma City, Oklahoma 73106 (800) 654-8489 HOUSTON OFFICE 515 North

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

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

Short-Term Disability

Short-Term Disability American Fidelity Assurance Company s Short-Term Disability Income Insurance Plan Designed Specifically For: New Mexico Schools Plan Highlights s are paid directly to you, not to a doctor or your employer.

More information

Are you prepared for an unexpected disability? Unum s Short Term Disability Insurance helps pay the bills when you can t work

Are you prepared for an unexpected disability? Unum s Short Term Disability Insurance helps pay the bills when you can t work Short Term Disability Insurance Employee funded Are you prepared for an unexpected disability? Unum s Short Term Disability Insurance helps pay the bills when you can t work Savings aren t always enough.

More information

American Fidelity Assurance Company s. Long-Term Disability. Income Insurance. Plan Designed Specifically For: Oklahoma State University

American Fidelity Assurance Company s. Long-Term Disability. Income Insurance. Plan Designed Specifically For: Oklahoma State University American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Oklahoma State University Why Do You Need Disability Income Protection? No One Plans To Be Disabled.

More information

Short Term Disability Plan

Short Term Disability Plan Short Term Disability Plan The Short Term Disability Plan provides eligible Full-Time Employees with short term income protection for absences due to nonworking related disability. Coverage is automatic

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

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN

VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN University of Illinois #92630 Effective October 1, 2014 The Prudential Insurance Company of America, Newark, NJ 10/2014 0209015-00002-00 1 DISABILITY INSURANCE

More information

Long Term Disability (LTD)

Long Term Disability (LTD) Long Term Disability (LTD) TABLE OF CONTENTS (Click on any item below to go to that section) Overview LTD Coverage Benefit Payment of LTD Benefit Other Income Benefits Defining Disabled Recurrent disability

More information

Group Disability Income Insurance Enrollment at a Glance Protection that provides benefits and access to expert resources during a difficult time.

Group Disability Income Insurance Enrollment at a Glance Protection that provides benefits and access to expert resources during a difficult time. Group Disability Income Insurance Enrollment at a Glance Protection that provides benefits and access to expert resources during a difficult time. For the employees of: Shelby County Government What is

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

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

If Disability Stops Your Pay, Will You Have the Ability to Pay Your Bills?

If Disability Stops Your Pay, Will You Have the Ability to Pay Your Bills? If Disability Stops Your Pay, Will You Have the Ability to Pay Your Bills? SHORT-TERM DISABILITY INSURANCE DI Underwritten by: American Family Life Assurance Company of Columbus Worldwide Headquarters

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

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

The University of Mississippi. Long Term Disability Insurance Plan

The University of Mississippi. Long Term Disability Insurance Plan The University of Mississippi Long Term Disability Insurance Plan The University of Mississippi Long Term Disability Insurance Plan Features and Cost You have an opportunity to help protect one of your

More information

INCOME PROTECTION. Publisher 62, Male, Severe ear condition INJURY AS A RESULT OF TRAUMA E.G. LOSS OF LIMB

INCOME PROTECTION. Publisher 62, Male, Severe ear condition INJURY AS A RESULT OF TRAUMA E.G. LOSS OF LIMB INCOME PROTECTION Telephonist 31, Female, Lower back pain Demolition worker 40, Male, Site injury Publisher 62, Male, Severe ear condition Mining worker 37, Male, Depressive episode Dentist 51, Male, Fracture

More information

AVMA GHLIT Family Group Life Insurance Plan

AVMA GHLIT Family Group Life Insurance Plan AVMA GHLIT Family Group Life Insurance Plan Designed by veterinarians for veterinarians Available to Graduating Student Members v Insurance you can trust. Underwritten by New York Life Insurance Company

More information

HCA Short-Term Disability Plan

HCA Short-Term Disability Plan HCA Short-Term Disability Plan As part of the HCA Health and Welfare Benefits Plan, short-term disability insurance coverage through The Prudential Life Insurance Company of America (Prudential or insurance

More information

Short-Term Disability Insurance

Short-Term Disability Insurance Choosing to protect your income What happens if I can t work for a month or two or more? A broken arm, surgery or having a baby could keep you out of commission and off the job for six to eight weeks or

More information

Policyholder: Lenoir-Rhyne University Long-Term Disability (LTD) Coverage. Effective Date: 1/1/2014. Your Benefits at a Glance

Policyholder: Lenoir-Rhyne University Long-Term Disability (LTD) Coverage. Effective Date: 1/1/2014. Your Benefits at a Glance Policyholder: Lenoir-Rhyne University Long-Term Disability (LTD) Coverage Effective Date: 1/1/2014 This is a summary of your long-term disability coverage from Principal Life Insurance Company. Long-term

More information

APSIT GROUP DISABILITY INCOME INSURANCE

APSIT GROUP DISABILITY INCOME INSURANCE APSIT GROUP DISABILITY INCOME INSURANCE What could possibly happen to keep me from working? The word disability often triggers thoughts of broken bones, casts, and wheelchairs. However, these would not

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

Financial protection for what matters most

Financial protection for what matters most OAK HARBOR FREIGHT LINES INCORPORATED PO BOX 1469 AUBURN, WA 98071 Don t miss your chance to sign up for this valuable coverage. Enroll by November 30, 2015. Financial protection for what matters most

More information

Aflac Short-Term Disability Insurance

Aflac Short-Term Disability Insurance Aflac Short-Term Disability Insurance LIMITED BENEFIT DISABILITY INCOME PROTECTION INSURANCE We ve been dedicated to helping provide peace of mind and financial security for more than 60 years. Underwritten

More information

American Fidelity Assurance Company s. Long-Term Disability. Income Insurance. Plan Designed Specifically For: New Mexico Schools

American Fidelity Assurance Company s. Long-Term Disability. Income Insurance. Plan Designed Specifically For: New Mexico Schools American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: New Mexico Schools Why Do You Need Disability Income Protection? Disability causes nearly 50%

More information

DISABILITY INCOME PROTECTION PLAN. Your Partner in Protecting Your Income. American Association of Nurse Anesthetists

DISABILITY INCOME PROTECTION PLAN. Your Partner in Protecting Your Income. American Association of Nurse Anesthetists Your Partner in Protecting Your Income. TM Your ability to earn an income may be your most valuable asset. Your lifestyle, your home, your children s education and your retirement may ALL hinge on your

More information

A CONSUMERS GUIDE TO INDIVIDUAL HEALTH INSURANCE IN ARIZONA

A CONSUMERS GUIDE TO INDIVIDUAL HEALTH INSURANCE IN ARIZONA A CONSUMERS GUIDE TO INDIVIDUAL HEALTH INSURANCE IN ARIZONA Published by the Arizona Department of Insurance Janet Napolitano, Governor Charles R. Cohen, Director of Insurance August 2003 1 Table of Contents

More information

Disability Income Choice Portfolio

Disability Income Choice Portfolio Mutual of Omaha Insurance Company Disability Income Choice Portfolio SM MC34442 While many workers have group disability coverage through an employer, it often covers only 50 to 60 percent of their pay.

More information

The final 2014 Financial Audit Review will be distributed to the AVMA by July 1, 2015, as stipulated by the Trust Agreement.

The final 2014 Financial Audit Review will be distributed to the AVMA by July 1, 2015, as stipulated by the Trust Agreement. May 18, 2015 AVMA Board of Directors Dr. Ron DeHaven, CEO AVMA Dear Doctors and Colleagues: We are pleased to prepare for your review the 2014 House of Delegates Annual Report of the AVMA Group Health

More information

WHY WOULD I NEED IT? HOW MUCH DO I NEED?

WHY WOULD I NEED IT? HOW MUCH DO I NEED? WHY WOULD I NEED IT? HOW MUCH DO I NEED? Definitions Actively at Work means you or your Spouse are performing all the Essential Duties of Your Occupation for wage or profit on a full-time basis (at least

More information

Short-Term Disability

Short-Term Disability AMERICAN FIDELITY ASSURANCE COMPANY S Short-Term Disability Income Insurance Plan Designed Specifically For: Kansas Educators Plan Highlights s are paid directly to you, not to a doctor or your employer.

More information

10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS. Underwritten by New York Life Insurance Company. Designed by Veterinarians for Veterinarians

10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS. Underwritten by New York Life Insurance Company. Designed by Veterinarians for Veterinarians 10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS Designed by Veterinarians for Veterinarians Valuable Benefits. Remarkable Service. Underwritten by New York Life Insurance Company WE VE GOT YOU COVERED

More information

How will you be able to pay your student loans if you become sick or injured?

How will you be able to pay your student loans if you become sick or injured? How will you be able to pay your student loans if you become sick or injured? Introducing... Medical ValueGuard Own-Occupation Disability Protection For Your Student Loans You have invested countless hours

More information

Income Insurance. Lo n g-te r m Disability. A Plan Designed Specifically For: Kentucky Schools. From American Fidelity Assurance Company

Income Insurance. Lo n g-te r m Disability. A Plan Designed Specifically For: Kentucky Schools. From American Fidelity Assurance Company American Fidelity Educational Services A Plan Designed Specifically For: Kentucky Schools Lo n g-te r m Disability Income Insurance From American Fidelity Assurance Company Why Do You Need Disability Income

More information

3. MARRIAGE: a. New spouse is eligible for coverage the first day of marriage b. Ex-spouse loses coverage the day the divorce is final

3. MARRIAGE: a. New spouse is eligible for coverage the first day of marriage b. Ex-spouse loses coverage the day the divorce is final May 11, 2008 RAILROAD INSURANCE COVERAGE UPDATE STEVE YOUNG 1. TO HAVE COVERAGE: a. New employee working under UTU contract must work 4 months before coverage begins b. All other new employees need only

More information

American Fidelity Assurance Company s. Long-Term Disability. Income Insurance. Plan Designed Specifically For: Defined Benefit - Mississippi

American Fidelity Assurance Company s. Long-Term Disability. Income Insurance. Plan Designed Specifically For: Defined Benefit - Mississippi American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Defined - Mississippi Why Do You Need Disability Income Protection? Disability causes nearly

More information

Short Term Disability Insurance Plan

Short Term Disability Insurance Plan Short Term Disability Insurance Plan Available to eligible employees of the University System of New Hampshire. Protect your most valuable asset your income. 0188825 ab A Benefit of your Membership! coverage

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

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

What if illness or injury made it impossible for you to work?

What if illness or injury made it impossible for you to work? This is the best time to protect your future earnings Disability Income Insurance for New Professionals Your earning power is your most valuable asset Your ability to earn an income is your most valuable

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

AVMA GHLIT Family Group Life Insurance Plan

AVMA GHLIT Family Group Life Insurance Plan AVMA GHLIT Family Group Life Insurance Plan Designed by veterinarians for veterinarians Available to Graduating Student Members v Insurance you can trust. Underwritten by New York Life Insurance Company

More information

Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company

Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is designed to answer some common

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

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

Disability Insurance 101

Disability Insurance 101 Disability Insurance 101 Protect Your Most Valuable Asset Brought to you by What is This Guide? The Council for Disability Awareness is a nonprofit organization dedicated to educating Americans about the

More information

Long-Term Disability Insurance

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

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

Short-Term Disability Insurance

Short-Term Disability Insurance Short-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

Life & Short Term Disability Group Insurance Plans

Life & Short Term Disability Group Insurance Plans Life & Short Term Disability Group Insurance Plans for the Trustees of the Pennsylvania Municipal Authorities Association Insurance Fund GROUP INSURANCE PLANS Dear Authority Member: In response to your

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

How Disability Income Insurance Contracts Define Disability

How Disability Income Insurance Contracts Define Disability WD & Associates WILLIAM DELMAGE President 22 Hemingway Drive East Providence, RI 02915 (401) 435-4239 103 wmd@wdandassociates.com www.wdandassociates.com How Disability Income Insurance Contracts Define

More information

For Continuing Education Training Purposes Only. Not for Use with the General Public.

For Continuing Education Training Purposes Only. Not for Use with the General Public. Basics of Disability Income Insurance Individual Disability Income Insurance Its Value, Its Components & Factors Involved in Pricing For Continuing Education Training Purposes Only. Not for Use with the

More information

Disability Insurance Statistics

Disability Insurance Statistics Individual Disability Insurance Disability Insurance Statistics Individual Disability Insurance from Principal Life Insurance Company helps clients protect their most valuable asset - their ability to

More information

Long Term DISABILITY HOW TO APPLY

Long Term DISABILITY HOW TO APPLY Long Term DISABILITY HOW TO APPLY Complete an application in full, making sure you sign and date it. Mail the application to: Quebec Québec Medical Association 1000 380 Saint-Antoine de la Gauchetière

More information

simplified options for groups with two to 49 employees Group Life and Disab ility premium-per-employee plans

simplified options for groups with two to 49 employees Group Life and Disab ility premium-per-employee plans simplified options for groups with two to 49 employees Group Life and Disab ility premium-per-employee plans introducing Premium-Per-Employee Plans SELECTHEALTH HAS TEAMED UP WITH METLIFE TO OFFER BETTER

More information