Plan Overview
Here's a simple fact: in the United States, a disability injury occurs every second.* The Hartford's1 Bill Payor Protection Plan for National Society of Professional Engineers members helps you to continue supporting yourself and your dependents should you be unable to work due to a covered injury or sickness.
Plan Features
With a combination of affordable rates, no offsets, and a lump sum payment, this plan provides you with coverage few other disability plans offer. They include:
- 24-hour disability coverage
- Benefits based on annual salary
- Own occupation monthly payment
- Any occupation lump sum payment
Coverage may last in the form of monthly payments to you for up to two years. If you remain Totally Disabled and are unable to engage in any occupation after that two-year period, you will receive a lump sum benefit that helps pay for expenses while you apply for Social Security Disability benefits. Total Disability means disability which, during the Waiting Period and the first 24 months during which Total Disability Benefits are payable, wholly and continuously prevents you from performing the substantial and material duties of your usual occupation.
Eligibility
Each person must be under age 60, a resident of the U.S., and actively engaged in full-time (30+ hours per week) duties for their occupation 90 days preceding the date your coverage is to take effect. If you and your spouse are both current NSPE insureds, only one of you may apply as the Policyholder with the other covered as a Spouse.
For complete details on the Bill Payor Protection Plan through NSPE Member Insurance, download the brochure below. To apply, download and return the completed application to the Plan Administrator. Don’t wait for a disability to wipe out your hard-earned savings—apply today!
*National Safety Council, Injury Facts 2008 Ed.
1The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.
Underwritten by Hartford Life and Accident Insurance Company, Simsbury CT 06089 Form SRP-1311 (HLA) (5349)
Frequently Asked Questions
Who is eligible for this insurance?
If you are an NSPE member who is under age 60, a resident of the U.S., and actively engaged in full-time (30+ hours per week) duties for your occupation 90 days preceding the date your coverage is to take effect, you are eligible to apply for NSPE Group Bill Payor Insurance. If you and your spouse are both current NSPE insureds, only one of you may apply as the Policyholder with the other covered as a Spouse.
How much insurance can I request?
Depending on your salary, you may request from $500 to $2,000 per month in Bill Payor benefits, or a lump sum benefit of $3,000 to $12,000. You may receive monthly payments for up to two years. If you are still Totally Disabled after that period, you will receive a lump sum benefit.
What counts as a disability?
Total Disability means disability which, during the Waiting Period and the first 24 months during which Total Disability Benefits are payable, wholly and continuously prevents you from performing the substantial and material duties of your usual occupation.
Where do I find rates for NSPE Group Bill Payor Insurance?
Please visit the Forms tab and download the brochure for more details, including premium rates.
Are there any exclusions to this plan?
Yes, there are some exclusions and limitations to the NSPE Group Bill Payor Plan. Please review the brochure for complete information on what the policy will not cover.