Disability Insurance: 2010 Plans
Long-term disability insurance is based on your current income and replaces a portion of your lost earnings if you're unable to work due to an illness or injury. You would begin receiving benefit payments after an "elimination period," which is either the 30- or 90-day period starting when your disability begins.
Plan Summary
The plan summary provides a more detailed view of the selected coverage, but don't forget to read the Certificate of Coverage.
Overview:
In addition to the elimination period, your rate is determined by the coverage amount, your age, and your income. The elimination period is the time from the onset of the disability until you can begin receiving benefits.
Insurance Company:
Plan Highlights
Receipt of Benefits | You can receive benefits for 2 years while unable to work and for more than 2 years if Activities Daily Living (ADL) disabled. Benefits are available until age 65 while you remain disabled. You do not pay the monthly rate while you are receiving benefits. |
Pre-existing Conditions | This plan does not pay benefits for an injury or illness considered a pre-existing condition for the first 12 months you are enrolled. |
Changes in Income | You can increase or decrease your coverage based on your income, subject to underwriting by Guardian. |
Coverage Tiers | Disability insurance is available for eligible members only (dependents cannot be enrolled). |
Special Benefit | You will receive $1 off your total monthly invoice if you purchase both life and disability insurance. |
The information on this Website about insurance benefits is a summary of applicable terms and conditions that is provided for general informational purposes only. The terms of any insurance products are governed solely by the applicable Certificate of Coverage. In the event of any inconsistency between information provided on this Website and the provisions of the Certificate of Coverage, the Certificate of Coverage shall govern.
The group insurance plans displayed may not be available in your county or state. Please check our eligibility requirements to confirm what plans are available in your area.