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 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.
• Elect monthly benefits to suit your needs and lifestyle
• 24-hour protection - on or off the job - anywhere in the world
• 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.
View the Forms section and download a no–obligation application and brochure containing detailed plan information including costs, exclusions, limitations and terms of coverage.
This plan may not be available in all states.
This program may vary and is not available in all states. New York residents refer to NY link for benefits and rates (AGP-5573).
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-5473 (Non-NY) & AGP-5573 (NY only)||AGP-5473 (Non-NY) & AGP-5573 (NY only)|
|Insurance Company||Hartford Life and Accident Insurance Company and Hartford Life Insurance Company in NY||Hartford Life and Accident Insurance Company and Hartford Life Insurance Company in NY|
|Features And Benefits|
|Issue Ages||Through age 59||Through age 59|
|Minimum Monthly Benefit||$600||$600|
|Maximum Monthly Benefit||Up to $4,000 subject to income ratios.||Up to $6,000 subject to income ratios.|
|Waiting Period||60 days (60, 90, or 180 days for NY residents)||60, 90, or 180 days|
|Benefit Period||5 year Injury, 1 year Sickness||To age 65|
|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 SRP-1311, or state equivalent||Disability Form Series includes SRP-1311, or state equivalent|
*The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. AGP-5473 is underwritten by Hartford Life and Accident Insurance Company. AGP-5573 is underwritten by Hartford Life Insurance Company. Home office of both companies is Hartford, CT.
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 Insurance Company and Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits 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.
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 fall short of meeting their actual needs.
Who can apply for this plan?
When would benefits begin?
How much coverage would I need?
What benefits could I receive?
Plan I pays after a 60 day waiting period (60, 90 or 180 day waiting period for NY residents), to a maximum of five years if you are Totally Disabled due to an Injury and to a maximum of one year if you are Totally Disabled due to a covered Sickness. Plan II pays up to age 65 if you are Totally Disabled due to a Injury or Sickness. Under Plan II, you have a choice of a 60, 90 or 180 day waiting period for benefits to begin. For Plan I: If Total Disability occurs at or after age 64, benefits are paid for a maximum of 1 year. For Plan II: 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?
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?
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.
Disability Form Series includes SRP-1311, or state equivalent.
We're here to help! Please contact us in whatever manner is most convenient for you.
12421 Meredith Drive
Urbandale, IA 50323
M-F 8:15a-5p CT
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155