NASW Insurance Plans

OverviewBenefitsRatesFAQsTermsNo Risk

Most things in your life depend dramatically on your ability to earn an income. Your home. Your everyday living expenses. Your children’s child care and educational needs. Your savings. Your hopes for retirement. Your dreams for the future.

So, if your income stops due to a disabling injury or illness, how will you pay your mortgage, your household bills, and the everyday living expenses for you and your family? Will you have to dip into your savings or other assets? And will your savings, the equity in your home, your retirement nest egg, and your other assets be able to carry you through until you’re recovered and able to return to work? And, would you even want to use up your current financial resources like that, anyway?

With so many things in life being uncertain, why not help protect yourself and your loved ones from the financial risks and uncertainties surrounding a disability? Secure NASW Assurance Services Disability Insurance Protection today … so it’ll be there for you should you ever need it.

This NASW-endorsed program offers three affordable benefit plan options to fit your needs and budget.

And you can receive monthly benefits from $100 up to $6,000, depending on which option you select.

Plus, you pay an affordable, group rate thanks to NASW's group purchasing power.

Disability Basic Plan Rates

Disability Extended Plan Rates

Disability Select Plan Rates

Rates and/or benefits may be changed on a class basis. Rates are based on the attained age of the insured and increase as you enter each new age category. Rates shown above are rounded to the nearest penny. Please note that your bill will reflect the exact premium. For your convenience, you will be billed on a quarterly basis.

For more information, call toll-free (866) 514-8974.
Policy Form # GBD-1000 A (AGP-5728)

Choose Among Three Benefit Plans

Depending on your needs and budget, you can select from three valuable plans:

Basic Plan: Less expensive option
Monthly Benefit Amounts Available: From $100 up to $1,200.
Waiting Period Before Benefits Begin: After 28 consecutive days of disability.
Benefit Period: Up to five years if you're disabled because of an accident.
Up to two years if you're disabled because of sickness. (Disability benefits are not available after age 65 for either accident or sickness caused disability.)
Extended Plan: Provides more protection
Monthly Benefit Amounts Available: From $100 up to $1,200.
Waiting Period Before Benefits Begin: After 28 consecutive days of disability.
Benefit Period: Up to age 65 if you're disabled because of an accident.
Up to five years if you're disabled because of sickness (but not beyond age 65).
Select Plan: Offers Maximum Protection
Monthly Benefit Amounts Available: From $100 up to $6,000.
Waiting Period Before Benefits Begin: After 90 consecutive days of disability.
Benefit Period: Up to age 65 if you're disabled because of an accident.
Up to five years if you're disabled because of sickness (but not beyond age 65).

Replaces up to 75% of Your Gross Income

If you’re an NASW member, under age 65, have a satisfactory health history and are actively at work full time (at least 30 hours per week), and a resident of the U.S., you’re eligible to apply for a benefit amount up to 75% of your pre-disability earnings.

Note: The benefit amount payable as a result of your total disability will be the lesser of the monthly benefit or 75% of your pre-disability earnings minus any other income benefits, such as social security or retirement disability benefits, including those for which you could collect but did not apply, and all other income from any employer or other work. In no event will the monthly benefit elected exceed 75% of your pre-disability earnings.

However, if the monthly benefit payable would reduce to less than 15% of your monthly benefit due to other income benefits, then the minimum monthly benefit under the policy will be 15% of your monthly benefit.

Pays Benefits for all Covered Total Disabilities

This protection will pay you the monthly benefit you select (up to 75% of your pre-disability earnings) if you become totally disabled due to an injury or sickness.

Benefits Are Usually Tax-Free

Under current tax laws, if you pay your own disability premiums, your benefits are generally tax-free. This means you’ll generally collect 30 to 40 percent more in benefits through this program than you would from an employer-paid plan. Or if you own your own business, you may be able to claim part of your premiums as a tax deduction. Check with your tax advisor for more details.

Includes a Rehabilitative Employment Benefit

You can even collect partial monthly benefits while getting back to work, part-time, under your plan’s Rehabilitative Employment Benefit. If, while you’re totally disabled, you’re able and you choose to return to work part-time, you’ll continue to receive a monthly benefit equal to your total disability monthly benefit, less 50% of any income you receive. The sum of the monthly benefit and total income received from Rehabilitative Employment may not exceed 100% of your pre-disability earnings. If it does, the monthly benefit will be reduced by the excess amount.

Easy to Apply Today

Simply download, complete, sign and return the application. Send no money now.

Questions?

Call toll-free (866) 514-8974.

Policy Form # GBD-1000 A (AGP-5728)

When Coverage Begins: Your protection begins on the first day of the month following the Administrator’s receipt of your applicaton, provided you are actively-at-work, meet required evidence of insurability requirements, and have paid your premium. If on the date you are to become covered you are not actively-at-work, coverage will not begin until the date you are actively-at-work.

When Coverage Ends: As long as you’re actively-at-work, pay your premiums when due, and the Master Policy remains in force, you can keep this protection until you reach age 64 and nine months (Select Plan), or 64 and 337 days (Basic and Extended Plans).

Exclusions: The protection does not cover disability or loss caused by intentionally self-inflicted injury, suicide or attempted suicide, while sane or insane; pregnancy or childbirth, except complications of pregnancy; war or act of war, whether declared or undeclared; or your commission or attempted commission of a felony.

Pre-Existing Conditions Limitation: Benefits will not be paid for any loss or period of total disability that begins during the first year of your insurance and which is a result of a pre-existing condition. A pre-existing condition means any disability, diagnosed or undiagnosed, for which medical care is received by you: within the one year period prior to the date your insurance protection starts; or with respect to any increase in coverage, within the one year period prior to the effective date of your increase in coverage.

Definitions:
Applicable to the Basic Plan and Extended Plan: Total Disability or Totally Disabled means disability which: 1) during the elimination period and the first 60 months during which total disability benefits are payable, wholly and continuously prevents you from performing the essential duties of your occupation; and 2) after that, wholly and continuously prevents you from engaging in any occupation.

Applicable to the Select Plan: Total Disability or Totally Disabled means disability which: 1) during the elimination period and the first 24 months during which total disability benefits are payable, wholly and continuously prevents you from performing the essential duties of your occupation; and 2) after that, wholly and continuously prevents you from engaging in any occupation.

Actively-At-Work means you are performing all the essential duties of your occupation for wage or profit on a full-time basis (at least 30 hours per week).

Any Occupation means any occupation for which you’re qualified by education, training or experience, and that has an earnings potential greater than the lesser of: the amount of your pre-disability earnings and the benefit period percentage; or the maximum monthly benefit.

Current Monthly Earnings means monthly earnings you receive from your employer, and other employment, while you are disabled, not counting commissions, bonuses, tips and tokens, overtime pay or any other fringe benefits or extra compensation.

Pre-Disability Earnings means your regular gross monthly rate of pay based on your statement of wages earned and taxes withheld (Form W-2) for the one-year period immediately prior to the last day you were actively-at-work before you became disabled; or the total number of calendar months immediately prior to the last day you were actively-at-work before you became disabled, if less than the above period.

Injury means bodily injury resulting directly from an accident and independently of all other causes that occur while you're covered under this protection.

Sickness means a disability which is (1) caused by or contributed to by any condition, illness, disease or disorder of the body; any infection, except a pus-forming infection of an accidental cut or wound or bacterial infection resulting from an accidental ingestion of a contaminated substance; hernia of any type unless it is the immediate result of an accidental injury covered by the insurance protection; or complications of pregnancy; or (2) caused by or contributed to by any medical or surgical treatment for a condition shown in item (1).

Acceptance:

This information explains the general purpose of the insurance described, but in no way changes or affects Master Policy AGP-5728 as actually issued. In the event of a discrepancy between this information 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.

Sponsored by:
Underwritten by: Hartford Life and Accident Insurance Company Simsbury, CT 06089

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

Administered by:
Association Group Insurance Administrators
P.O. Box 22859, Santa Barbara, CA 93121-9912

This Long Term Disability Insurance Protection, offered through NASW Assurance Services, is endorsed by the National Association of Social Workers.

Policy Form # GBD-1000 A (AGP-5728)

Disability

30-Day Free Look

When you receive your Certificate of Insurance, please read it carefully. If you’re not completely satisfied, simply return your Certificate, without claim, within 30 days. Any premium you may have paid will be promptly refunded. No questions asked.