Disability Income Insurance Plan

Disability Income Insurance Plan  

Overview

A disabling injury or sickness can happen in the blink of an eye. If you have to stop working, chances are your income may 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 keep up better with your living expenses until you get back to work.

Benefit Features
:

  • Elect monthly benefits to suit your needs and lifestyle
  • 24-hour protection - on or off the job
  • Spouse may also apply for coverage

 

Don't let a disability put an end to your income. Disability insurance should be an essential part of everyone's portfolio.

 

Want More Information?


View the Forms section and download a no–obligation application and brochure containing detailed plan information including costs, exclusions, limitations and terms of coverage.

Forms

Insurance Application and Brochure

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing:

 

PLAN 1 - Simplified Issue Up To $4,000 in $100 Increments

Tell Me More

Eligibility

Where available

This program may vary and is not available in all states.

Notes

All Actively-at-work members and/or legal spouses/domestic partners under age 60, working a minimum of 20 hours per week and reside in the U.S., may apply for this coverage. Spouse cannot be legally separated or divorced from you. 

NY residents: This policy provides Disability Income Insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services. 

 

Details

At a Glance Plan I Plan II
Type of Insurance Disability Income Insurance Disability Income Insurance
Group Policy Number AGP-5888 AGP-5888
Insurance Company Hartford Life and Accident Insurance Company Hartford Life and Accident Insurance Company
Features And Benefits    
Issue Ages Through age 59 Through age 59
Minimum Monthly Benefit $400 $400
Maximum Monthly Benefit Up to $4,000 subject to income ratios. Up to $6,000 subject to income ratios.
Waiting Period 60, 90, or 180 days 60, 90, or 180 days
Benefit Period 5 year injury before age 64 and
1 year injury over age 64, 1 year Sickness
beginning before age 63: to age 65
beginning age 63 or over, but under 70: 2 years
Covered Loss Injury and Sickness Injury and Sickness
Coverage Period On and off the job On and off the job
Form Number Disability Form Series includes GBD-1000, GBD-1200 or state equivalent Disability Form Series includes GBD-1000, GBD-1200 or state equivalent

 

*The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

 

Important Notes:

This website 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 website 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, reduction of benefits and terms under which the policies may be continued in force 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.

 

FAQs

  • Why would I need disability insurance?

    One of your most valuable assets is your earning capacity. It's taken years of study and career advancement to achieve your position today. Yet a serious Injury or Sickness could jeopardize your livelihood. Even if you're young and healthy, a serious Injury or Sickness could put you out of work for months or even years.
  • Isn't Social Security designed to provide disability income?

    The amount of benefits received depends on your age, earnings before being disabled and eligibility of family members. Many working Americans don't want to rely on Social Security because its benefits could fall short of meeting their actual needs.
  • Who can apply for this plan?

    All Actively-at-Work employees and/or spouses/domestic partners under age 60, working a minimum of 20 hours per week and reside in the U.S., may apply for this coverage. Please note: If you are a domestic partner interested in applying for coverage, please contact the Insurance Administrator for a Domestic Partner Affidavit which must accompany your application.
  • When would benefits begin?

    The choice is yours . . . benefits can begin after 60, 90 or 180 days of disability. Choose a waiting period that best suits your needs by comparing your current savings versus your expenses.
  • How much coverage would I need?

    No two families are alike. That's why this plan gives you the flexibility to choose a coverage amount that fits your lifestyle. 

    You can select to receive anywhere from $400 to $4,000/$6,000 (depending on which plan) a month, subject to income ratios. Base your selection on your current income level and remember that you may have additional medical costs to cover.
  • What benefits could I receive?

    Under Plan I, you have a choice of a 60, 90 or 180 day waiting period for benefits to begin. Plan I pays a maximum of five years if you are Totally Disabled due to a covered Injury and to a maximum of one year if you are Totally Disabled due to a covered Sickness. If Total Disability occurs at or after age 64, benefits are paid for a maximum of 1 year.

     

    Under Plan II, you have a choice of a 60, 90 or 180 day waiting period for benefits to begin. Plan II pays up to age 65 if you are Totally Disabled due to a covered Injury or Sickness. If Total Disability occurs at or after age 63, benefits are paid to a maximum of 2 years.

  • How much will this coverage cost?

    Your premium is based on your age, the monthly disability benefit you request plus the waiting period (e.g., 60, 90 vs. 180 days) and benefit period (5 years vs. to age 65).
  • When is the coverage effective?

    Your coverage will become effective on the first day of the month immediately following the date your application is approved by the insurance company, provided you are Actively-at-Work and your initial premium payment has been received. If you are not Actively-at-Work on that date, your effective date is postponed until you are Actively-at-Work once again.
  • For how long can I continue this coverage?

    Coverage continues as long as: you pay your premiums on time; you remain Actively-at-Work (except by reason of disability covered by this plan); the master policy is in effect; and you remain under 65 (Plan I) or under 70 (Plan II). The same goes for your spouse/domestic partner as long as they continue to meet eligibility requirements. 

    Acceptance into this plan is subject to medical evidence of insurability as determined by Hartford Life and Accident Insurance Company. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exam/tests requested by the company will be conducted at your convenience and at no expense to you.
  • Do I have to meet with an insurance agent?

    Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a Customer Service Specialist if you'd like. Please view the Contact Us section for the toll-free number.
  • What if I have second thoughts after I apply?

    You will have 30 days from the date of receipt to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid. 
Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

 Address
Association Member Benefits Advisors
4050 NW 114th Street
Urbandale, Iowa 50322
 Phone
1-800-503-9230
 Hours
 M-F 8:15a-5p CT
 Email
customerservice.service@mercer.com


Underwritten by:

 Address
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155