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.
Don't let a disability put an end to your income. Disability insurance should be an essential part of everyone's portfolio.
View the Forms section and download a no–obligation application and brochure containing detailed plan information including costs, exclusions, limitations and terms of coverage.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing:
This program may vary and is not available in all states.
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.
|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.
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.
Why would I need disability insurance?
Isn't Social Security designed to provide disability income?
Who can apply for this plan?
When would benefits begin?
How much coverage would I need?
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?
When is the coverage effective?
For how long can I continue this coverage?
Do I have to meet with an insurance agent?
What if I have second thoughts after I apply?
We're here to help! Please contact us in whatever manner is most convenient for you.
Association Member Benefits Advisors
4050 NW 114th Street
Urbandale, Iowa 50322
M-F 8:15a-5p CT
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155