We ve got you covered! Short and Long Term Disability from the AVMA GHLIT
|
|
- Gervase Harrell
- 8 years ago
- Views:
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 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 informationA 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 informationAVMA 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 informationSpecial 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 informationDisability 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 information34.6 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 informationAVMA 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 informationProVider 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 informationAVMA 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 informationWhat 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 informationPolicy 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 informationWhy 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 informationdisability 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 informationINDIVIDUAL 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 informationAAD 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 informationLONG 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 informationIncome 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 informationKeep 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 informationThe 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 informationGuide 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 informationAVMA 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 informationIf 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 informationIn 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 informationGroup 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 informationDisability 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 informationAVMA 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 informationIndividual 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 informationVoluntary 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 informationTable 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 informationlong-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 informationIf 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 informationAre 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 informationDisability 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 informationLong-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 informationsimplified 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 informationWhy 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 informationDisability 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 informationAVMA 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 informationThe 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 informationAVMA GHLIT Group 10-Year and 20-Year Level Term Life and Large Scale Accidental Death and Dismemberment Plans
AVMA GHLIT Group 10-Year and 0-Year Level Term Life and Large Scale Accidental Death and Dismemberment Plans Designed by veterinarians for veterinarians Insurance you can trust. Underwritten by New York
More informationLong-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 informationAccumulation 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 informationYour 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 informationGroup 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 informationLong-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 information10-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 informationAPSIT 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 informationShort-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 information1. 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 informationVOLUNTARY 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 informationTechnicians 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 informationLong-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 informationGroup 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 informationIncome 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 informationShort-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 informationShort 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 informationDisability Insurance. Business
Overhead Expense Disability Insurance to Cover Reimbursement for Overhead Expenses Business P r o d u c t s Reimbursement for Business Expenses in the event of Disability You ve worked hard to establish
More informationDISABILITY 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 informationVoluntary 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 informationWhat is Long Term Disability Income Insurance?
American College of Surgeons Insurance Program Group Long Term Disability Insurance For Residents of California and Florida Only What is Long Term Disability Income Insurance? Lose your ability to practice
More informationINCOME 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 informationLong-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 informationVOLUNTARY 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 informationBerkshire 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 informationHow 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 information100/44/0/0 0/0/0/100 0/0/0/0 100/68/0/31 100/65/30/70 60/20/5/10. Universal Life Insurance
00/44/0/0 0/0/0/00 0/0/0/0 00/68/0/3 00/65/30/70 60/20/5/0 Universal Life Insurance You have a picture of the way you want your life to go. Now imagine if something happens that not only changes your picture,
More informationNESS Super Insurance changes. NESS Super Insurance changes. NESS Super, we ve got you covered...
NESS Super Insurance changes NESS Super Insurance changes NESS Super, we ve got you covered... Insurance Guide Insured Benefits from 1 July 2013 1 Default Insurance cover This information should be read
More informationShort-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 informationGroup Disability Income Insurance Because You Never Know
The right coverage, group rates, reliable companies. In my opinion, AAO-endorsed insurance is a no-brainer. Dr. Bryon Viechnicki, Bethlehem, PA Group Because You Never Know 1200 East Glen Avenue, Peoria
More informationAmerican 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 informationFinancial 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 informationIncome Protection Plan An Accident-Only Disability Income Insurance Plan. Income Protection Plus 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 B 110_110 HealthMarkets is the brand name
More informationLong-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 informationThe 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 informationPolicyholder: 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 informationShort-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 informationHow To Get A Long Term Disability Insurance Plan From Syracuse University
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 informationWHY 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 informationAmerican 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 informationWhy 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 informationLong 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 informationA 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 informationHCA 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 informationFACTS AND FEATURES SIDE BY SIDE.
INCOME PROTECTION BENEFIT PLAN (IPB) AND FACTS AND FEATURES SIDE BY SIDE. It s our aim to make selling income protection as simple as possible. Here, we ve compared the features of our Income Protection
More informationTo order printed version of this document, request Pub3527BL via Forms On Demand. Disability Insurance. Business
Overhead Expense To order printed version of this document, request Pub3527BL via Forms On Demand. Disability Insurance to Cover Reimbursement for Overhead Expenses Business P r o d u c t s Reimbursement
More informationDISABILITY INSURANCE. MetLife Income Guard California SM. Flexible Income Protection that Works for You.
DISABILITY INSURANCE MetLife Income Guard California SM Flexible Income Protection that Works for You. Protecting your income is a smart idea. While you may already have life insurance, disability insurance
More informationIncome 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 informationGroup Hospital Confinement Indemnity Gap Insurance
Group Hospital Confinement Indemnity Insurance Maltby Electric Supply Co., Inc. announces Insurance protection Proposed effective date: 03/01/2013 Help for the in-between time Managing routine health care
More informationShort-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 informationHow To Get Disability Insurance From Mutual Of Omaha
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 informationMasters, Mates & Pilots Disability
Masters, Mates & Pilots Disability A Disability Financial Planning Tool Personal Income Protection Specifically Designed For Eligible Participants of the Masters, Mates & Pilots Health & Benefit Plan Willis
More informationSAMPLE 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 informationIncome Protection Disability
Income Protection Disability Protecting loved ones from financial hardship in the event of premature death of a primary income earner is usually a high priority for most Canadians. Unfortunately, while
More informationShort-Term Disability Income
Disability Income Protection Advantage Short-Term Disability Income If you ve ever been out of work because of a sickness or an injury, you know there are two things that are increasingly hard to come
More informationDisability Insurance IN THE UNIFORMED SERVICES
Disability Insurance designed exclusively for today s FAMIlY PHYSICIAN IN THE UNIFORMED SERVICES The AAFP Disability Income Plan is association-group insurance sponsored by the American Academy of Family
More informationVoluntary 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 informationGROUP DISABILITY INCOME INSURANCE FOR PHYSICIANS PLAN DETAILS
GROUP DISABILITY INCOME INSURANCE FOR PHYSICIANS PLAN DETAILS Underwritten by New York Life Insurance Company Administered by: THE HILB GROUP OF NEW YORK, LLC PO Box 5671, Bay Shore, NY 11706 (800)-556-1700
More informationDisability insurance endorsed by the State Bar of Texas Insurance Trust as a benefit of your membership. 0257930-00001-00
Disability insurance endorsed by the State Bar of Texas Insurance Trust as a benefit of your membership. 0257930-00001-00 LONG TERM DISABILITY PLAN Long Term Disability Insurance Helps Protect You and
More informationIndividual 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 informationVoluntary Long-Term Disability
Voluntary Long-Term Disability... ultimate flexibility This product is marketed by Assurant Employee Benefits and underwritten by Union Security Insurance Company. From traditional disability insurance
More information