WHY WOULD I NEED IT? HOW MUCH DO I NEED?
|
|
- Reynard Wells
- 8 years ago
- Views:
Transcription
1 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 20 hours per week). Why would I need disability income protection? How much Disability Insurance would I need? As a physician, you ve probably witnessed the physical and financial effects of a disabling Sickness or Injury firsthand. It can happen to anyone, at anytime. And if a sudden disability prevents you from working in your practice for months or even years your family s financial future could be at risk. Depending on your own personal situation, many financial experts recommend that you have enough disability coverage to replace 60% of your income. This worksheet will help you calculate a monthly benefit that may be right for your family. Consider the statistics: Category Monthly Expense Amount Pre-disability Earnings means, if you or your spouse are self-employed, your or your spouse s average net monthly income (gross revenues less business expenses) from: 1) the personal practice of Your or Your Spouse s profession; or 2) personal conduct of Your or Your Spouse s main business. This average is based on net income for: 1) 12 months; or 2) 24 months; whichever produces the higher average, before the determination is made. If You or Your Spouse have been self-employed for less than 12 months, it is based on the whole time You or Your Spouse were self-employed. If Your or Your Spouse s practice is incorporated, net income includes the cost to Your or Your Spouse s company of fringe benefits and Your or Your Spouse s share of total surplus. Income does not include investment returns, rents, royalties, and the like income which is not directly produced from Your or Your Spouse s current work. tokens, overtime pay or any other fringe benefits or extra compensation, in effect on the date immediately prior to the last day you or your spouse were Actively at Work before you or your spouse became Disabled. Disabled and Working means a Disability that: 1) continues while you are performing at least one of the material duties of Your Own Occupation on either a fulltime or part-time basis; 2) causes a loss of earnings of at least 20% (and less than 80%); and 3) requires the Regular Care of a Physician. Recurrent Disability: If you cease to be Disabled and return to work for a total of 14 days or less during the Elimination Period, the Elimination Period will not be interrupted. Except for the 14 days or less that you work, you must be Disabled by the same condition for the total Elimination Period. Successive periods of Total Disability or Disabled and Working, which are 1) due to the same or related causes; and not separated by a period of 6 months or longer; will be considered one period of Total Disability or Disabled and Working, and will be payable under the Plan. Mortgage or rent payment (include property taxes and insurance if paid separately) Food and Clothing Costs The average long-term disability claim duration is 31.2 months.* Child Care/Tuition Costs Three in 10 workers entering the work force today will become disabled before retiring.* Auto &Transportation (include auto payment, repairs, gas, public transportation costs, etc.) Loan Payments (student loans, credit card payments, personal loans, etc.) The Wisconsin Medical Society Member Long-Term Disability Plan is underwritten by an industry leader: The Hartford1 Utility Costs (phone, heat, electric, gas, water, etc.) This Program is underwritten by a leader in professional group coverage, The Hartford. The Hartford has become known for its innovation in developing products for today s insurance climate. Living Expenses (include home repairs, entertainment, vacations, memberships, etc.) Over 36 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from * Why should I select this Plan? The Wisconsin Medical Society Member Long-Term Disability Insurance Plan includes an important Own Specialty Occupation definition of disability. As a physician, your occupation means the general or subspecialty in which you are practicing as recognized by the American Board of Medical Specialties. So if you became disabled and could not perform the essential duties of your specific area of practice, you are eligible to collect full benefits, even if you can practice another field of medicine or the duties of another job which is not part of your specialty. Plus...the rates are very competitive! Can we help you determine your needs, or provide you with a no-obligation rate quote? Contact Wisconsin Medical Society Insurance Services at for more information. * As viewed at Council for Disability Awareness website on May 26, 2012, www. disabilitycanhappen.org Health, Life or Other Insurance Bills (include contributions to any health plan, prescription costs, life insurance payments, etc.) Retirement & Other Contribution (include monthly contributions for meeting retirement and general savings goals, future education savings, etc.) Total Monthly Expenses Other disability insurance or salary that would continue even if you couldn t work: Pre-disability Earnings means, if you or your Spouse are not self-employed, your or your spouse s regular monthly rate of pay, not counting commissions, bonuses, tips and Periods of Disability separated by at least 6 months during which you are Actively at Work, will be considered separate Periods of Disability. Your protection is administered by Nations Benefits and Financial Services Administration, (NBFSA), an administrator that serves the insurance needs of the professional association members nationwide. They have trained professional representatives available to assist with claims payment, or to answer any questions you may have. Just call , 8:00 a.m. to 4:30 p.m. Monday to Friday, Central Time. Help protect the health of your most vital asset your income with coverage designed for the needs of physicians and spouses. Apply now. Disability Income Protection Needed: The results in this worksheet are for your information only and are not recommendations. Your individual needs may be different and you may wish to consult a qualified financial advisor for a detailed analysis of your financial needs. Any Questions? Can we provide you with a no-obligation rate quote? Contact Wisconsin Medical Society Insurance Services at for more information. The Hartford is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. 1 This brochure explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states. Wisconsin Medical Society Insurance & Financial Services, Inc., is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. Nations Benefits and Financial Services Administration, LLC d/b/a NBFSA, LLC, is the Plan Administrator and Insurance broker that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. Nations Benefits and Financial Services Administration, LLC d/b/a NBFSA, LLC & Wisconsin Medical Society Insurance & Financial Services, Inc., is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. Underwritten by Hartford Life and Accident Insurance Company, Simsbury, CT Policy Form # GBD-1000 A (AGP-5858) WMSDI-B As you protect the health of others we ll help protect the health of your most vital asset: your income. INTRODUCING THE WISCONSIN MEDICAL SOCIETY MEMBER LONG-TERM DISABILITY INSURANCE PLAN Up to 10,000 of monthly benefits with Standard Issue coverage. Up to 6,000 of monthly benefits with Guaranteed Issue coverage for members under age 55. Includes Own Specialty Occupation definition of disability. Especially for physicians Flexible coverage options can be tailored to your needs. Your spouse can also apply at same rates available to physician members. Monthly benefit payments can continue until retirement age.
2 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 20 hours per week). Why would I need disability income protection? How much Disability Insurance would I need? As a physician, you ve probably witnessed the physical and financial effects of a disabling Sickness or Injury firsthand. It can happen to anyone, at anytime. And if a sudden disability prevents you from working in your practice for months or even years your family s financial future could be at risk. Depending on your own personal situation, many financial experts recommend that you have enough disability coverage to replace 60% of your income. This worksheet will help you calculate a monthly benefit that may be right for your family. Consider the statistics: Category Monthly Expense Amount Pre-disability Earnings means, if you or your spouse are self-employed, your or your spouse s average net monthly income (gross revenues less business expenses) from: 1) the personal practice of Your or Your Spouse s profession; or 2) personal conduct of Your or Your Spouse s main business. This average is based on net income for: 1) 12 months; or 2) 24 months; whichever produces the higher average, before the determination is made. If You or Your Spouse have been self-employed for less than 12 months, it is based on the whole time You or Your Spouse were self-employed. If Your or Your Spouse s practice is incorporated, net income includes the cost to Your or Your Spouse s company of fringe benefits and Your or Your Spouse s share of total surplus. Income does not include investment returns, rents, royalties, and the like income which is not directly produced from Your or Your Spouse s current work. tokens, overtime pay or any other fringe benefits or extra compensation, in effect on the date immediately prior to the last day you or your spouse were Actively at Work before you or your spouse became Disabled. Disabled and Working means a Disability that: 1) continues while you are performing at least one of the material duties of Your Own Occupation on either a fulltime or part-time basis; 2) causes a loss of earnings of at least 20% (and less than 80%); and 3) requires the Regular Care of a Physician. Recurrent Disability: If you cease to be Disabled and return to work for a total of 14 days or less during the Elimination Period, the Elimination Period will not be interrupted. Except for the 14 days or less that you work, you must be Disabled by the same condition for the total Elimination Period. Successive periods of Total Disability or Disabled and Working, which are 1) due to the same or related causes; and not separated by a period of 6 months or longer; will be considered one period of Total Disability or Disabled and Working, and will be payable under the Plan. Mortgage or rent payment (include property taxes and insurance if paid separately) Food and Clothing Costs The average long-term disability claim duration is 31.2 months.* Child Care/Tuition Costs Three in 10 workers entering the work force today will become disabled before retiring.* Auto &Transportation (include auto payment, repairs, gas, public transportation costs, etc.) Loan Payments (student loans, credit card payments, personal loans, etc.) The Wisconsin Medical Society Member Long-Term Disability Plan is underwritten by an industry leader: The Hartford1 Utility Costs (phone, heat, electric, gas, water, etc.) This Program is underwritten by a leader in professional group coverage, The Hartford. The Hartford has become known for its innovation in developing products for today s insurance climate. Living Expenses (include home repairs, entertainment, vacations, memberships, etc.) Over 36 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from * Why should I select this Plan? The Wisconsin Medical Society Member Long-Term Disability Insurance Plan includes an important Own Specialty Occupation definition of disability. As a physician, your occupation means the general or subspecialty in which you are practicing as recognized by the American Board of Medical Specialties. So if you became disabled and could not perform the essential duties of your specific area of practice, you are eligible to collect full benefits, even if you can practice another field of medicine or the duties of another job which is not part of your specialty. Plus...the rates are very competitive! Can we help you determine your needs, or provide you with a no-obligation rate quote? Contact Wisconsin Medical Society Insurance Services at for more information. * As viewed at Council for Disability Awareness website on May 26, 2012, www. disabilitycanhappen.org Health, Life or Other Insurance Bills (include contributions to any health plan, prescription costs, life insurance payments, etc.) Retirement & Other Contribution (include monthly contributions for meeting retirement and general savings goals, future education savings, etc.) Total Monthly Expenses Other disability insurance or salary that would continue even if you couldn t work: Pre-disability Earnings means, if you or your Spouse are not self-employed, your or your spouse s regular monthly rate of pay, not counting commissions, bonuses, tips and Periods of Disability separated by at least 6 months during which you are Actively at Work, will be considered separate Periods of Disability. Your protection is administered by Nations Benefits and Financial Services Administration, (NBFSA), an administrator that serves the insurance needs of the professional association members nationwide. They have trained professional representatives available to assist with claims payment, or to answer any questions you may have. Just call , 8:00 a.m. to 4:30 p.m. Monday to Friday, Central Time. Help protect the health of your most vital asset your income with coverage designed for the needs of physicians and spouses. Apply now. Disability Income Protection Needed: The results in this worksheet are for your information only and are not recommendations. Your individual needs may be different and you may wish to consult a qualified financial advisor for a detailed analysis of your financial needs. Any Questions? Can we provide you with a no-obligation rate quote? Contact Wisconsin Medical Society Insurance Services at for more information. The Hartford is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. 1 This brochure explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states. Wisconsin Medical Society Insurance & Financial Services, Inc., is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. Nations Benefits and Financial Services Administration, LLC d/b/a NBFSA, LLC, is the Plan Administrator and Insurance broker that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. Nations Benefits and Financial Services Administration, LLC d/b/a NBFSA, LLC & Wisconsin Medical Society Insurance & Financial Services, Inc., is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. Underwritten by Hartford Life and Accident Insurance Company, Simsbury, CT Policy Form # GBD-1000 A (AGP-5858) WMSDI-B As you protect the health of others we ll help protect the health of your most vital asset: your income. INTRODUCING THE WISCONSIN MEDICAL SOCIETY MEMBER LONG-TERM DISABILITY INSURANCE PLAN Up to 10,000 of monthly benefits with Standard Issue coverage. Up to 6,000 of monthly benefits with Guaranteed Issue coverage for members under age 55. Includes Own Specialty Occupation definition of disability. Especially for physicians Flexible coverage options can be tailored to your needs. Your spouse can also apply at same rates available to physician members. Monthly benefit payments can continue until retirement age.
3 The Wisconsin Medical Society Member Long-Term Disability Insurance Plan is designed especially for physicians. It has flexible benefit options you can tailor to your specific needs. Member eligibility. As an active Wisconsin Medical Society member under age 70 (under age 55 for Guarantee Issue Plan) you are eligible to apply for coverage as long as you are Actively at Work as a resident or physician at least 20 hours per week and performing all duties of your occupation. You must also be a citizen or legal resident of the United States and not be a full-time member of any country s armed forces. The maximum amount of member coverage is 10,000, as long as it does not exceed 60% of your Pre-Disability Earnings. Spouse eligibility. Your spouse can apply at same affordable rates available to physician members! Your spouse is eligible for coverage as long as he or she is under age 70 (under age 55 for Guarantee Issue Plan) and Actively at Work at least 20 hours per week and performing all duties of his or her occupation. Your spouse must also be a citizen or legal resident of the United States and not be a full-time member of any country s armed forces. The maximum amount of spouse coverage is 5,000, as long as it does not exceed 60% of Pre-Disability Earnings. Note: The eligible member must apply for coverage in order to apply for coverage for his or her spouse. If a husband and wife are both eligible members, only one may apply for coverage as a member of the policyholder and the other may be covered as a spouse only. Replace up to 60% of your basic monthly income if a disability strikes. With the Standard Issue Plan or the Guarantee Issue Plan, you can select monthly benefits up to a full 60% of your Pre- Disability Earnings. These benefits are payable until Normal Retirement Age (age 65 to 67, based on your date of birth) and can be used to help replace your lost income if you should suffer a Disability due to any covered Sickness or Injury. You are considered disabled if you are unable to perform one or more of the essential duties of the specialty you were practicing prior to your disability. Benefits don t terminate solely because you can practice another field of medicine. Standard Issue Plan Monthly benefits of up to 10,000. With the Standard Issue Plan, you can select monthly benefits from 500 to 10,000 per month, in 100 increments up to a full 60% of your Pre-Disability Earnings. The Standard Issue Plan requires evidence of insurability and completion of the Application Form. Guarantee Issue Plan* Monthly benefits of up to 6,000 (for members under age 55). With the Guarantee Issue Plan, members can select monthly benefits from 500 to 6,000 per month (5,000 for spouses), in 100 increments up to a full 60% of your Pre-Disability Earnings. The Guarantee Issue Plan is available to members and spouses under age 55 who apply for coverage and are Actively at Work during the 90 consecutive day period immediately before the date of applying. It requires completion of the Enrollment Form. * This means that although you will not be asked to take a medical exam or answer medical questions at the time of enrollment, insurance benefits payable are subject to your policy s Pre-Existing Conditions Limitation. No Disability Plan Offsets Collect full monthly benefit payments regardless of any other benefits you may receive! A plan offset means that the benefit amount payable as the result of the Insured Person s Disability would be reduced, based upon other income such as Group Disability benefits, Workers Compensation, Social Security, etc. Some disability plans have offset provisions which can reduce the plan benefit payments. With the Wisconsin Medical Society Disability Plan there are no plan offsets. So you can collect full monthly benefit payments from this plan regardless of any other benefits you may receive.
4 Two Disability Benefit options are available to you: Disability Benefit (Option 1) MORE COMPREHENSIVE Coverage for Own Specialty Occupation This option is the most comprehensive, as it provides monthly benefit protection for any covered benefit period (until retirement age) for the Own Specialty Occupation definition of a disability (any Disability which prevents you or your spouse from performing one or more of the essential duties of your specific area of practice). With this option, you are eligible to collect benefits until your Disability ends, even if you can practice another field of medicine or the duties of another job which is not part of your specialty. Disability Benefit (Option 2) MORE ECONOMICAL 24 Month Coverage for Own Specialty Occupation With the Disability Benefit option 2, you would be covered for the Own Specialty Occupation definition of disability (any Disability which prevents you or your spouse from performing one or more of the essential duties of your specific area of practice) during the Waiting/Elimination Period and the first 24 months during which Disability Benefits are payable. After that, the definition of a Disability would be expanded to include a Disability which continuously prevents you or your spouse from engaging in any occupation. (If you or your spouse are in an occupation that requires either of you to maintain a license, your or your spouse s failure to pass a physical examination required to maintain that license does not alone mean that you or your spouse are disabled from your occupation.) Choose the waiting/elimination period that s best for you. You have a choice of two waiting periods: 90 or 180 days. A waiting period (also known as an elimination period) is the period of time before your monthly benefits begin for a covered Disability. You can select the plan that works best your needs. The 180 period day plan is the most affordable. The 90 day plan may be a better fit for you if you would need more immediate funds in place for your living expenses. Premiums waived while collecting benefits. Premium payments are waived for the duration of your benefit period for any Disability which last six months or longer. This waiver of premium payment starts after you have been Disabled for six months and ends when the Disability benefit is no longer payable. How benefits are paid. Benefits are tax-free when premium payments are made with after-tax dollars, so the monthly benefits under this plan may be exempt from federal income tax. You should consult your tax advisor for more information. Here are some important benefits which are automatically included in your coverage: Disabled and Working Benefit: If you become disabled and are still able to work, you can still receive a percentage of your selected benefit payment. If disabled and still working at your own occupation, you re eligible to receive this benefit if earning more than 20% and less than 80% of your Pre-Disability Earnings, able to perform at least one of the duties of your job, and under the care of a physician. This benefit is a percentage of your Disability benefit but would never be less than 50 a month. Rehabilitative Employment Benefit: If you accept Rehabilitative Employment, while you are Disabled or Disabled and Working, you can continue to receive monthly benefit payments equal to your Disability Monthly benefit, less 50% of any income received from the Rehabilitative Employment. Workplace Modification Benefit: With this benefit, your employer can be reimbursed the cost of workplace modifications to accommodate your disability so that you are able to return to work, and perform the essential duties of your job. Benefits paid for workplace modifications cannot exceed the amount of your maximum monthly benefit. Payment of this benefit will not reduce or deny any benefit you are eligible to receive with this plan. Survivor Income Benefit: This benefit provides a lumpsum payment equal to 3 times your last monthly benefit amount for Disability to your named beneficiary (or your surviving spouse or children) if you should die while receiving disability benefits. Contagious and Infectious Disease Benefit: In the event that you contract an infectious and contagious disease but are not Disabled you can receive a percentage of your monthly benefit payment. This benefit can begin once you have been covered by this benefit for a period of 12 months, and after conditions have been met which are proven to restrict your income and/or your ability to perform the Essential Duties of Your Occupation. This benefit can continue for up to two years, or until you qualify for full Disability benefits under the plan. Family Care Credit Benefit: If you are working as part of a program of Rehabilitation, the benefit amount you receive can be adjusted by deducting the cost of Family Care from earnings received from a Rehabilitation Program. This applies to the cost of providing care for children under age 13 or any member of your household who is mentally or physically handicapped and dependent upon you for support and maintenance. The maximum monthly deduction allowed for each qualifying child or family member is 300 during the first 6 months of Rehabilitation
5 and 115 thereafter. It cannot exceed the amount of your monthly earnings, and Family Care Credits may not exceed a total of 2,500 during a calendar year. You cannot be singled out for a rate increase. You cannot be singled out for a rate increase because of your health status. In fact, rates and/or benefits may be changed for those in your same insured class only. You can apply now with no obligation. Your satisfaction is guaranteed. You can rest assured by selecting your desired protection and applying now. Send no money now. Once coverage is approved, you will receive your Certificate of Insurance and you will have a full 30 days to review it. If you re not 100% satisfied, simply return it within that time period without paying the premium. Your coverage will not be in force and you will be under no obligation. OPTIONAL BENEFITS You can consider adding these options to your coverage based on your specific needs. (Simply check the appropriate boxes on the Application Form.) Business Overhead Expense Benefit: This option provides a monthly benefit to help pay for your monthly office expenses, such as rent, employee salaries, mortgage and tax payments and more. You can receive an additional monthly benefit payment of up to 25% of your monthly Disability Benefit or 2,500, whichever is less. These benefits can continue for one year. Cost of Living Adjustment (COLA) Benefit: If selected, you can receive an automatic increase in your monthly benefit amount on an annual basis. This can begin after being Disabled for 12 consecutive months. The cost of living percentage increase is based on changes in the consumer price index. You can receive this annual adjustment up to 5 times. Extended Earnings Protection Benefit: This optional benefit helps to protect your earnings level after you have returned to work following a period of disability. You would be eligible to receive a monthly benefit for up to one full year, or until you earn at least 80% of your Pre-disability Earnings. Progressive Illness Benefit: If you are diagnosed with a progressive noninfectious illness which causes you to gradually become Disabled (as the disease or disorder becomes more frequent and impacts your ability to perform your own occupation), you can begin collecting your monthly benefit payment. Effective Date: Your coverage becomes effective for the Standard Issue Plan on the first of the month following our receipt of your approved application and first premium payment. For the Guaranteed Issue Plan, your coverage becomes effective the first of the month following our receipt of your enrollment form and first premium payment. Deferred Effective Date: If you or your covered Spouse is not Actively-at-Work on the date, coverage will not become effective until the first day of the month on or next following the date he or she is Actively-at-Work for 3 months. Termination: You may maintain your coverage as long as you remain a member; pay your premium on time and the Master Policy remains in force. Coverage terminates if you or your spouse attain the policy age limit; the date You or Your Spouse cease to be Actively at Work, except due to disability covered by the Policy or temporary lay-off, or leave of absence. Coverage for your spouse terminates when your coverage is no longer active, they are no longer eligible due to change in age, dependency or marital status. However, if Your Spouse s coverage would terminate because of your death, coverage will continue until the Premium Due Date on or next following your death unless continued in accordance with the Surviving Spouse Continuation provision. Exclusions: The Policy does not cover any Disability or loss caused by: 1) intentionally self inflicted Injury, suicide or attempted suicide, while sane or insane; or 2) war or act of war, whether declared or not; or 3) Your commission or attempted commission of a felony; or 4) Sickness contracted or Injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority. We will refund the pro rata portion of any premium paid for You while You are in the Armed Forces on full-time active duty for a period of two months or more. Written notice must be given to Us within 12 months of the date You enter the Armed Forces. Limitations/Pre-Existing Condition Limitation: This means any injury or sickness, diagnosed or undiagnosed, for which medical care is received. Treatment in the 6 month period prior to the effective date of coverage will not be covered until 6 months ending on or after the effective date of coverage without medical advice or treatment for that condition, or until one (1) year after the effective date of coverage, whichever comes first. Drug/Alcohol and Mental Nervous Limitation: If you are disabled due to mental or nervous disorders, alcoholism or drug abuse, the Maximum Payment Period will be reduced to 2 years during your lifetime unless you are confined in a hospital or other institution licensed to provide care and treatment for that disability.
6 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 20 hours per week). Why would I need disability income protection? How much Disability Insurance would I need? As a physician, you ve probably witnessed the physical and financial effects of a disabling Sickness or Injury firsthand. It can happen to anyone, at anytime. And if a sudden disability prevents you from working in your practice for months or even years your family s financial future could be at risk. Depending on your own personal situation, many financial experts recommend that you have enough disability coverage to replace 60% of your income. This worksheet will help you calculate a monthly benefit that may be right for your family. Consider the statistics: Category Monthly Expense Amount Pre-disability Earnings means, if you or your spouse are self-employed, your or your spouse s average net monthly income (gross revenues less business expenses) from: 1) the personal practice of Your or Your Spouse s profession; or 2) personal conduct of Your or Your Spouse s main business. This average is based on net income for: 1) 12 months; or 2) 24 months; whichever produces the higher average, before the determination is made. If You or Your Spouse have been self-employed for less than 12 months, it is based on the whole time You or Your Spouse were self-employed. If Your or Your Spouse s practice is incorporated, net income includes the cost to Your or Your Spouse s company of fringe benefits and Your or Your Spouse s share of total surplus. Income does not include investment returns, rents, royalties, and the like income which is not directly produced from Your or Your Spouse s current work. tokens, overtime pay or any other fringe benefits or extra compensation, in effect on the date immediately prior to the last day you or your spouse were Actively at Work before you or your spouse became Disabled. Disabled and Working means a Disability that: 1) continues while you are performing at least one of the material duties of Your Own Occupation on either a fulltime or part-time basis; 2) causes a loss of earnings of at least 20% (and less than 80%); and 3) requires the Regular Care of a Physician. Recurrent Disability: If you cease to be Disabled and return to work for a total of 14 days or less during the Elimination Period, the Elimination Period will not be interrupted. Except for the 14 days or less that you work, you must be Disabled by the same condition for the total Elimination Period. Successive periods of Disability or Disabled and Working, which are 1) due to the same or related causes; and not separated by a period of 6 months or longer; will be considered one period of Disability or Disabled and Working, and will be payable under the Plan. Mortgage or rent payment (include property taxes and insurance if paid separately) Food and Clothing Costs The average long-term disability claim duration is 31.2 months.* Child Care/Tuition Costs Three in 10 workers entering the work force today will become disabled before retiring.* Auto &Transportation (include auto payment, repairs, gas, public transportation costs, etc.) Loan Payments (student loans, credit card payments, personal loans, etc.) The Wisconsin Medical Society Member Long-Term Disability Plan is underwritten by an industry leader: The Hartford1 Utility Costs (phone, heat, electric, gas, water, etc.) This Program is underwritten by a leader in professional group coverage, The Hartford. The Hartford has become known for its innovation in developing products for today s insurance climate. Living Expenses (include home repairs, entertainment, vacations, memberships, etc.) Over 36 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from * Why should I select this Plan? The Wisconsin Medical Society Member Long-Term Disability Insurance Plan includes an important Own Specialty Occupation definition of disability. As a physician, your occupation means the general or subspecialty in which you are practicing as recognized by the American Board of Medical Specialties. So if you became disabled and could not perform the essential duties of your specific area of practice, you are eligible to collect full benefits, even if you can practice another field of medicine or the duties of another job which is not part of your specialty. Plus...the rates are very competitive! Can we help you determine your needs, or provide you with a no-obligation rate quote? Contact Wisconsin Medical Society Insurance Services at for more information. * As viewed at Council for Disability Awareness website on May 26, 2012, www. disabilitycanhappen.org Health, Life or Other Insurance Bills (include contributions to any health plan, prescription costs, life insurance payments, etc.) Retirement & Other Contribution (include monthly contributions for meeting retirement and general savings goals, future education savings, etc.) Total Monthly Expenses Other disability insurance or salary that would continue even if you couldn t work: Pre-disability Earnings means, if you or your Spouse are not self-employed, your or your spouse s regular monthly rate of pay, not counting commissions, bonuses, tips and Periods of Disability separated by at least 6 months during which you are Actively at Work, will be considered separate Periods of Disability. Your protection is administered by Nations Benefits and Financial Services Administration, (NBFSA), an administrator that serves the insurance needs of the professional association members nationwide. They have trained professional representatives available to assist with claims payment, or to answer any questions you may have. Just call , 8:00 a.m. to 4:30 p.m. Monday to Friday, Central Time. Help protect the health of your most vital asset your income with coverage designed for the needs of physicians and spouses. Apply now. Disability Income Protection Needed: The results in this worksheet are for your information only and are not recommendations. Your individual needs may be different and you may wish to consult a qualified financial advisor for a detailed analysis of your financial needs. Any Questions? Can we provide you with a no-obligation rate quote? Contact Wisconsin Medical Society Insurance Services at for more information. The Hartford is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. 1 This brochure explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states. Wisconsin Medical Society Insurance & Financial Services, Inc., is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. Nations Benefits and Financial Services Administration, LLC d/b/a NBFSA, LLC, is the Plan Administrator and Insurance broker that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. Nations Benefits and Financial Services Administration, LLC d/b/a NBFSA, LLC & Wisconsin Medical Society Insurance & Financial Services, Inc., is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. Underwritten by Hartford Life and Accident Insurance Company, Simsbury, CT Policy Form # GBD-1000 A (AGP-5858) WMSDI-B As you protect the health of others we ll help protect the health of your most vital asset: your income. INTRODUCING THE WISCONSIN MEDICAL SOCIETY MEMBER LONG-TERM DISABILITY INSURANCE PLAN Up to 10,000 of monthly benefits with Standard Issue coverage. Up to 6,000 of monthly benefits with Guaranteed Issue coverage for members under age 55. Includes Own Specialty Occupation definition of disability. Especially for physicians Flexible coverage options can be tailored to your needs. Your spouse can also apply at same rates available to physician members. Monthly benefit payments can continue until retirement age.
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 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 informationSupplemental 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 informationExpanded 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 informationVoluntary 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 informationGroup 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 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 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 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 informationLong 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 informationThe Hartford Guide to. Group Bill Payor Protection Insurance N S P E
The Hartford Guide to Group Bill Payor Protection Insurance N S P E Answers to Your Questions About NSPE Group Bill Payor Protection Insurance Why should I have this protection? Life Insurance vs. Disability
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 informationGROUP 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 informationLong Term Disability Insurance
Long Term Disability Insurance This subsection summarizes the group Long Term Disability Insurance plan available through PEBB. It is a summary only. For full details, see the Certificate of Insurance
More informationIncome Protection Benefits
Income Protection Benefits McAllen Independent School District Information About You Name: Social Security Number / Employee ID Number: Coverage Effective Date: Date of Birth: Date of Hire: Annual Salary:
More informationLong-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 informationGROUP 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 informationVoluntary Long Term Disability Insurance
Voluntary Long Term Disability Insurance For Government of the District of Columbia Employees Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is
More informationVoluntary 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 informationBuy-up Long Term Disability Insurance
Buy-up Long Term Disability Insurance For the employees of Montana University System Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed
More informationLong 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 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 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 informationNova 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 informationDISABILITY 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 informationHELP PROTECT YOUR INCOME WHEN YOUR GROUP LTD INSURANCE COVERAGE ENDS.
GROUP BENEFITS HELP PROTECT YOUR INCOME WHEN YOUR GROUP LTD INSURANCE COVERAGE ENDS. Your Long-term Disability Conversion Option IS THERE INCOME PROTECTION AFTER LTD INSURANCE COVERAGE ENDS? Disability
More informationGroup Term Life Insurance
Group Term Life Insurance For groups with 2-50 employees For the state of Virginia Plan Design Rate basis Rate guarantee 2-14 employees: Age banded rates (Each employee s premium is based on the group
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 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 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 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 informationSt. 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 informationLong Term Disability Insurance
Revised July 3, 2006 Long Term Disability Insurance Benefit Highlights Tennessee Board of Regents Exempt Employees This guide is designed to provide a general overview of your long term disability benefits.
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 informationGROUP BENEFIT PLAN DUKE UNIVERSITY
GROUP BENEFIT PLAN DUKE UNIVERSITY Short Term Disability and Long Term Disability The following provisions are applicable to residents of North Carolina. PRE-EXISTING LIMITATION READ CAREFULLY NO BENEFITS
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 informationYES! You CAN take it with you
YES! You CAN take it with you You Are Now Eligible To Convert Your Current Long-Term Disability Insurance To Disability Conversion Insurance DCI Coverage For residents of New York State Group Insurance
More informationVoluntary Long Term Disability Insurance
Voluntary Long Term Disability Insurance FOR EMPLOYEES OF THE CITY OF SAN JOSE Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
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 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 informationShort 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 informationIN THIS SECTION SEE PAGE. Diageo: Your 2015 Employee Benefits 113
Diageo: Your 2015 Employee Benefits 113 Disability Plans Diageo NA offers the Short-term and Long-term Disability Plans through Hartford Life to provide financial protection for you and your family if
More informationSection. Long Term Disability (LTD) Insurance
Section D Long Term Disability (LTD) Insurance Section Page When Coverage Begins...D. 1 When Coverage Terminates...D. 1 What are the Benefits...D. 1 Duration of Benefits...D. 2 What is Total Disability...D.
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 informationVoluntary Short Term Disability Insurance
Voluntary Short Term Disability Insurance For Government of the District of Columbia Employees Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is
More informationHow To Understand The Group Liability 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 informationLong-Term Disability Insurance
Long-Term Disability Insurance Seton Hall University Staff 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy, you can work, play,
More informationYour 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 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 informationAmerican United Life Insurance Company Indianapolis, Indiana 46206-0368 Certifies that it has issued and delivered a Policy numbered G 2535(T) E to:
American United Life Insurance Company Indianapolis, Indiana 46206-0368 Certifies that it has issued and delivered a Policy numbered G 2535(T) E to: Fifth Third Bank, Indiana, Trustee For The American
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 informationVoluntary Short Term Disability Insurance
Voluntary Short Term Disability Insurance F O R G O V E R N M E N T O F T H E D I S T R I C T O F C O L U M B I A E M P L O Y E E S Answers to your questions about coverage from Standard Insurance Company
More informationVoluntary Short Term Disability Insurance
Voluntary Short Term Disability Insurance FOR EMPLOYEES OF THE STATE OF UTAH Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
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 informationShort 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 informationGroup Long Term Disability. Income Protection. For State IIA Association Members Effective July, 2001. with monthly benefits to $10,000
Group Long Term Disability Income Protection with monthly benefits to $10,000 Since 1964 KELSEY NATIONAL CORPORATION With Your State IIA Endorsed Group Long Term Disability Income Protection You Get These
More informationShort Term Disability Insurance
Short Term Disability Insurance This subsection summarizes the group Short Term Disability Insurance plan available through PEBB. It is a summary only. For full details, see the Certificate of Insurance
More informationThe 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 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 informationBenefits 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 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 informationLong 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 informationTerm 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 informationCounty of Santa Clara Physicians Faculty & Staff
LONG TERM DISABILITY INCOME PLAN UNDERWRITTEN BY: LIFE INSURANCE COMPANY OF NORTH AMERICA a CIGNA company CLASS 1 1/2004 County of Santa Clara Physicians Faculty & Staff FOREWORD Long Term Disability
More informationTable of Contents. Section 4: Disability
Table of Contents Section 4: Disability YOUR CALTECH DISABILITY BENEFITS... 4.1 Short Term Disability... 4.1 Paid Family Leave... 4.1 Long Term Disability... 4.1 YOUR BASIC AND SUPPLEMENTAL LONG TERM DISABILITY
More informationLong 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 informationCity of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees
City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees This Summary of Coverage provides a brief description of some of the terms, conditions, exclusions and limitations of Your employer
More informationAge-band. Age-band Spouse. Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco
LAKEVILLE ISD 194: Group Term Life with Waiver of Premium and AD&D for, Spouse and Dependent Children $10,000 $25,000 $50,000 $100,000 $200,000 0-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69
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 informationThe chances o f suffering a long-term disability before retirement are almost twice that of dying before retirement.'
ost of us think nothing of buying insurance to protect our cars, homes and other valuables. But many of us overlook protecting our most valuable asset... the one that makes all the others possible... our
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 informationLong-Term Disability Handbook Insurance coverage available to eligible employees
Long-Term Disability Handbook Insurance coverage available to eligible employees This handbook provides a description of your long-term disability insurance benefits, provided pursuant to Chapter 104,
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for Full-time Employees of Our Lady of Lourdes, Camden Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
More informationSt. 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 informationVoluntary 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 informationBuy-up Short Term Disability Insurance
Buy-up Short Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company For the Employees of Douglas County School District About This Booklet This booklet is designed
More informationN. Y. S. C. O. P. B. A. acket OPEN ENROLLMENT. Exclusively for. NYSCOPBA Members and Dependents
N. Y. S. C. O. P. B. A. New York State Correctional Officers & Police Benevolent Association, Inc. P 2014 OPEN ENROLLMENT acket Exclusively for NYSCOPBA Members and Dependents Member and Dependent Life
More informationLONG-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 informationGroup Long Term Disability Benefit. Emory University. Policy No. 122381-01. Underwritten by: Provident Life and Accident Insurance Company (7-13)
Group Long Term Disability Benefit Emory University Policy No. 122381-01 Underwritten by: Provident Life and Accident Insurance Company (7-13) PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY 1 Fountain
More informationTHE HARTFORD 1 GUIDE TO. Term Life Insurance
THE HARTFORD 1 GUIDE TO Term Life Insurance 44 percent of U.S. households had individual life insurance as of 2010 a 50-year low. In 1992, 55 percent owned it. In 1960, 72 percent of Americans owned individual
More informationAll Rates listed are Monthly per $1,000 of coverage. Age-band Employee Spouse
Tracking ID: 09221437 Proposal Prepared for: New Albany Floyd County Schools Prepared by: Quinn Pearl Number of employees: 2,253 City, State: New Albany, IN Date Prepared: 9/22/2014 Plan Selected: Group
More informationShort Term Disability Buy-up Insurance FLEXTRONICS INTERNATIONAL USA, INC. FOR EMPLOYEES WORKING IN CALIFORNIA
Short Term Disability Buy-up Insurance FLEXTRONICS INTERNATIONAL USA, INC. FOR EMPLOYEES WORKING IN CALIFORNIA Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE
More informationVoluntary Long Term Disability Insurance
Voluntary Long Term Disability Insurance FOR THE STATE OF CALIFORNIA EXCLUDED EMPLOYEES Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet
More informationIncome 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 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 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 informationepsmoore_uuaa-37756-disabilityplan University of Utah Alumni Association 37756/37792/01007/42709 Batch ID: Family ID: 0001183-0000001-0000111 *059101000* 0001184-0000002-0000111 0001185-0000003-0000111
More informationGroup Voluntary Term Life Coverage Effective Date: 3/1/2014
Policyholder: GLAHIT - Schreiner University Group Voluntary Term Life Coverage Effective Date: 3/1/2014 This summary of group voluntary term life coverage from Principal Life Insurance Company supplements
More informationAnswers to your questions about coverage from Standard Insurance Company
Voluntary Short Term Disability Insurance CITY & COUNTY OF DENVER Answers to your questions about coverage from Standard Insurance Company STANDARD Voluntary INSURANCE Short Term COMPANY Disability Insurance
More informationGroup Short Term Disability Insurance
Group Short Term Disability Insurance Protect Your Employees from Loss of Income Standard Insurance Company Short Term Disability Insurance Your proposed Group Insurance Plan Standard Insurance Company
More informationGroup Long Term Disability Insurance
Group Long Term Disability Insurance with Assisted Living Benefit With State IIA Endorsed Group Long Term Disability Insurance, You Get These Valuable Benefits $10,000 maximum monthly disability benefits
More informationHelp Protect Your Most Valuable Asset Your Income
Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think
More informationGroup Long Term Disability Insurance
Group Long Term Disability Insurance with Assisted Living Benefit With State IIA Endorsed Group Long Term Disability Insurance, You Get These Valuable Benefits 4 $10,000 maximum monthly disability benefits
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 information$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 informationVoluntary Short-Term Disability Insurance
Voluntary Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Marion County - Oregon Protecting Your Family Securing Your Future As long as you've got your health. If you're physically
More informationInsurance & Benefits Trust of PORAC
Insurance & Benefits Trust of PORAC How Benefits are Funded Percentage of Wages Protected Catastrophic Disability Benefit Maximum Monthly Benefit Maximum Benefit Period Fully self-funded and administered
More informationThe 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 informationLIFE AND AD&D DEPENDENT LIFE AND AD&D SHORT-TERM DISABILITY INCOME LONG-TERM DISABILITY INCOME
LIFE AND AD&D DEPENDENT LIFE AND AD&D SHORT-TERM DISABILITY INCOME LONG-TERM DISABILITY INCOME ADMINISTERED BY The Managing Agency Group One Enterprise Drive, Suite 210 Shelton, CT 06484 800-243-2534/local
More informationEmployee 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