A disabling Injury or Sickness can happen in the blink of an eye. If you have to stop working, chances are your income will stop too. But it doesn't have to if you help protect yourself with disability insurance.
Under the Disability Income Insurance Plan, you can receive a monthly benefit that you select. With this benefit you can better keep up with your living expenses until you get back to work.
Benefit Features:
Don't let a disability put an end to your income. Disability insurance can be a valuable part of everyone's portfolio.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
Plan Details
| At A Glance | Summary* |
|---|---|
| Type of Insurance | Group Disability Income Insurance |
| Designed for | Members and their Spouse/Domestic Partner who are citizens of the United States and Actively-at-Work (at least 30 hours per week), and are under the age of 65 may apply for this coverage.
A Spouse cannot be legally separated or divorced from the Member. When Spouses or Domestic Partners are both Eligible Members, coverage may not be duplicated by applying as dependents of each other.
This coverage is not available in all states. |
| Underwritten by | Hartford Life and Accident Insurance Company |
| Group Policy Number | AGP-5891 |
| Coverage Amounts Available for Members and Spouses |
Select from $100 to $6,000 per month (not to exceed 60% of the Insured Person's Pre-Disability Earnings). The benefits paid as a result of an Insured Person's Total Disability will be the lesser of: 1) the Monthly Benefit; 2) 70% of the Insured Person's Pre-Disability Earnings minus: a) any Other Income Benefits; and b) all other income from any employer or for any work. (If the Insured Person's Monthly Benefit would reduce to less than $50 per month due to Other Income Benefits, then the minimum Monthly Benefit under The Policy will be $50 per month.) |
| How This Plan Works | Under this plan, you will receive a monthly benefit beginning on the 61st, 91st or 181st day of your covered Total Disability up to age 65 if Totally Disabled before age 63. If Totally Disabled at ages 63 through 69, benefits will be payable up to 2 years, but not beyond age 70. Disability Form Series includes GBD-1000, GBD-1200, or state equivalent. |
*This is a listing of insurance plan highlights only. Refer to the brochure for full plan details, including costs, exclusions and limitations of coverage.
All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.
| Address AMBA 4050 114th Street Urbandale, Iowa 50322 |
|---|
| Phone 1-800-842-ICPA (4272) |
| Hours M-F 7:30a-5p CT |
| Email [email protected] |
Underwritten by:
| Address Hartford Life and Accident Insurance Company One Hartford Plaza Hartford, CT 06155 |
|---|
Answers about the program, including eligibility, options, customer service and more.
Why would I need disability insurance?
Who is eligible for this insurance?
Members and/or their Spouse/Domestic Partner who are citizens of the United States and Actively-at-Work (at least 30 hours per week), are under the age of 65 may apply for this coverage.
A Spouse cannot be legally separated or divorced from the Member. When Spouses or Domestic Partners are both eligible Members, coverage may not be duplicated by applying as dependents of each other.
Do I have to meet with an insurance agent?
How do I apply?
How much insurance can I apply for through this program?
Select from $100 to $6,000 per month (not to exceed 60% of the Insured Person's Pre-Disability Earnings). Any recurrent Total Disabilities are also covered for full benefit periods, if each disability period is separated by less than 3 months during which the insured is Actively at Work, or the later Total Disability is caused by an unrelated cause.
The benefits paid as a result of an Insured Person's Total Disability will be the lesser of: 1) the Monthly Benefit; 2) 70% of the Insured Person's Pre-Disability Earnings minus: a) any Other Income Benefits; and b) all other income from any employer or for any work. (If the Insured Person's Monthly Benefit would reduce to less than $50 per month due to Other Income Benefits, then the minimum Monthly Benefit under The Policy will be $50 per month.)
How much will this coverage cost?
What if I have second thoughts after I apply?
What is the Elimination Period?