Disability Income Insurance

Disability Income Insurance  

Overview

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:

  • Elect monthly benefits to help suit your needs and lifestyle
  • 24-hour protection - on or off the job - anywhere in the world
  • Spouse/Domestic Partner may also apply for coverage

 

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

 

Forms

Insurance Application and Brochure

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

Tell Me More

 

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 available only for residents of the United States excluding AK, AR, CO, DE, IA, LA, ME, MD, MO, MT, NH, NM, NC, TX, OR, UT and WA.

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.

*This is a listing of insurance plan highlights only. Refer to the brochure for full plan details, including costs, exclusions and limitations of coverage.

Contact Us

 

 Address
Association Member Benefits Advisors
4050 NW 114th Street
Urbandale, Iowa 50322
 Phone
1-800-842-ICPA (4272)
 Hours
 M-F 7:30a-5p CT
 Email
customerservice.service@mercer.com

 

Underwritten by:

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

FAQs

Answers about the program, including eligibility, options, customer service and more.

  • Why would I need disability insurance?

    If a disabling accident or illness suddenly took away your ability to work and as a result also took away your ability to earn a paycheck … how would you continue to afford the living expenses you must now pay? With the Group Disability Income Insurance Plan, your income would continue in the form of a monthly benefit you select.
  • 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?

    Issuance of this coverage is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your insurance directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you’d like by contacting the toll-free number in the Contacts section.
  • How do I apply?

    Download a no-obligation application and brochure containing detailed plan information and plan provisions, including economical costs, exclusions, limitations and terms of coverage.
  • 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). Plus, the plan pays in addition to any other disability benefits you might receive. 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?

    Your premium is based on your age, the monthly disability benefit you request plus the Elimination Period. Refer to the rate chart in the attached brochure for important information, including how costs increase as you age.
  • What if I have second thoughts after I apply?

    Once approved, you will be sent a Certificate of Insurance. You will have 30 days from the date of receipt to review the certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator, without claim, and any premiums paid will be refunded in full. Your coverage will then be invalidated.
  • What is the Elimination Period?

    The Elimination Period is a specified amount of time (for example, 60 days) you must be totally disabled before benefits can be paid. You select an Elimination Period when you apply for your disability insurance coverage. You can choose from the following Elimination Periods: 60 days, 90 days or 180 days.