Long-Term Disability Insurance
If a disabling illness or injury prevents you from working, how will you and your family continue to pay for bills, a mortgage payment and everyday expenses without your income? Trying to cover these expenses could cause a devastating blow to your savings and retirement plans. Why risk it? Help protect your earning power with a Long-Term Disability Income Insurance Plan designed for professionals like you!
Features of this plan include:
- Choice of two plan options
- Choice of Waiting Periods before benefits begin – 30, 60, 90, or 180 days
- Total Monthly Coverage up to $7,500 (based on age at issue and annual income)
- Rehabilitation Benefit
- Waiver of Premium
- Survivor Income Benefit
- And much more!
It could happen to you–help protect your plans for the future today!
Underwritten by: Hartford Life Insurance Company, Simsbury CT 06089
Form SRP-1311 A (HL) (5107)
Frequently Asked Questions
Who is eligible for this insurance?
If you are an NSPE member who is under age 60, actively at work at least 30 hours a week, and not on active duty in the military, you are eligible to apply for NSPE Group Long-Term Disability Income coverage.
How much insurance can I request?
Benefits under Plan A and Plan B are subject to these maximum amounts.
- If you are under age 50, you may receive up to $7,500 per month in Long-Term Disability Benefits
- If you are age 50-54, you may receive up to $4,000 per month in Long-Term Disability Benefits
- If you are age 55-59. You may receive up to $2,000 per month in Long-Term Disability Benefits
What counts as a disability?
Total Disability means a disability which:
- during the Waiting Period and the first 60 months that Total Disability Benefits are payable, wholly and continuously prevents an Insured Person from performing the substantial and material duties of his or her usual occupation; and
- after that, wholly and continuously prevents an Insured Person from engaging in any and every occupation or employment for which he or she is reasonably suited by training, education, or experience.
What should I count as my Pre-Disability Income?
Pre-Disability Income is your average net monthly earnings for the 12-month or 24-month period prior to onset of disability, whichever is higher.
Where do I find rates for NSPE Group Long-Term Disability 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 Long-Term Disability Plan. Please review the brochure for complete information on what the policy will not cover.