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 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.

 

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Plan Details

At A Glance Summary*
Type of Insurance Group Disability Income Insurance
Designed for

Members and their legal spouse who are Actively-at-Work (at least 30 hours per week), are under the age of 60 may apply for this coverage.

 

The Eligible Member must apply for coverage in order to apply for coverage for his or her Spouse. If both are Eligible Members, only one may apply for coverage as a member of the Policyholder and the other may be covered as a Spouse only.

 

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, VT and WA.

Underwritten by Hartford Life and Accident Insurance Company
Group Policy Number AGP-5885
Coverage Amounts Available for
Members and Spouses
Select from $500 to $4,000 per month (not to exceed 66 2/3% of your Pre-Disability Earnings). Plus, the plan pays in addition to any other disability benefits you might receive. Any recurrent Total Disabilities are also covered.
How This Plan Works

Plan 1 or Plan 2 determine the maximum amount of time to receive benefits.

 

Plan 1: Under this plan, you will receive a monthly benefit beginning on the 31st, 91st or 181st day of your covered Total Disability up to age 65 if Total Disabled before age 64. For a Total Disability beginning on or after age 64, but before age 70, benefits will be payable for a maximum of 12 months.

 

Plan 2: Under this plan, you will receive a monthly benefit beginning on the 31st, 91st or 181st day of your covered Total Disability up to age 65 for Injury or up to two years for Sickness. For a Total Disabiliy resulting from an accident, beginning on or after age 64, but before age 70, benefits will be payable for a maximum of 12 months.

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

Insurance Application and Brochure

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

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 their legal spouse who are Actively-at-Work (at least 30 hours per week), are under the age of 60 may apply for this coverage.

     

    The Eligible Member must apply for coverage in order to apply for coverage for his or her Spouse. If both are Eligible Members, only one may apply for coverage as a member of the Policyholder and the other may be covered as a Spouse only.

  • 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 $500 to $4,000 per month (not to exceed 66 2/3% of your Pre-Disability Earnings). Plus, the plan pays in addition to any other disability benefits you might receive. Any recurrent Total Disabilities are also covered.

  • 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, 30 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: 30 days, 90 days or 180 days.

Disclaimer:

Underwritten by Hartford Life and Accident Insurance Company 
Group Policy Form Number: Disability Form Series includes GBD-1000, GBD, 1200 or state equivalent
Group Policy Number: AGP-5885
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company, Hartford, CT 06155.

 

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.

 

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 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.

 

93056-DI

Contact Us

Program Administrator

 Address
Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50323
 Phone
1-800-732-8350
 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
Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.