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Long Term Disability Insurance

How would you or your family make ends meet if a disability kept you from working?

Long Term Disability Insurance Plan

The NASW Assurance Services Long Term Disability Insurance Plan helps protect you and your spouse/domestic partner with monthly disability benefits of up to $6,000.

Overview

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

So, if your or your spouse/domestic partner's income stops due to a disabling Injury or Sickness, 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 Plan today … to help protect you if you are Totally Disabled due to a covered Sickness or Injury.

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

If Totally Disabled due to a covered Sickness or Injury, you and your spouse/domestic partner's can receive monthly benefits from $100 up to $6,000, depending on which option you select and your pre-disability earnings.

Plus, you and your spouse/domestic partner pay an affordable, group rate thanks to NASW's group purchasing power.

Basic Plan - Monthly Rates

Monthly Benefit Member or Spouse/Domestic Partner's Age
  18 - 29 30 - 39 40 - 49 50 - 59 60 - 64 65 - 69
$1,200 $14.28 $17.52 $21.36 $31.32 $45.84 $52.36
$1,150 13.68 16.79 20.47 30.01 43.93 50.18
$1,100 13.09 16.06 19.58 28.71 42.02 48.00
$1,050 12.49 15.33 18.69 27.40 40.11 45.81
$1,000 11.90 14.60 17.80 26.10 38.20 43.63
$950 11.30 13.87 16.91 24.79 36.29 41.45
$900 10.71 13.14 16.02 23.49 34.38 39.27
$850 10.11 12.41 15.13 22.18 32.47 37.09
$800 9.52 11.68 14.24 20.88 30.56 39.41
$750 8.92 10.95 13.35 19.57 28.65 32.72
$700 8.33 10.22 12.46 18.27 26.74 30.54
$650 7.73 9.49 11.57 16.96 24.83 28.36
$600 7.14 8.76 10.68 15.66 22.92 26.18
$550 6.54 8.03 9.79 14.35 21.01 24.00
$500 5.95 7.30 8.90 13.05 19.10 21.82
$450 5.35 6.57 8.01 11.74 17.19 19.63
$400 4.76 5.84 7.12 10.44 15.28 17.45
$350 4.16 5.11 6.23 9.13 13.37 15.27
$300 3.57 4.38 5.34 7.83 11.46 13.09
$250 2.97 3.65 4.45 6.52 9.55 10.91
$200 2.38 2.92 3.56 5.22 7.64 8.73
$150 1.78 2.19 2.67 3.91 5.73 6.54
$100 1.19 1.46 1.78 2.61 3.82 4.36
 

Extended Plan - Monthly Rates

Monthly Benefit Member or Spouse/Domestic Partner's Age
  18 - 29 30 - 39 40 - 49 50 - 59 60 - 64 65 - 69
$1,200 $16.56 $21.96 $27.96 $45.60 $58.44 $52.64
$1,150 15.87 21.04 26.79 43.70 56.00 50.45
$1,100 15.18 20.13 25.63 41.80 53.57 48.25
$1,050 14.49 19.21 24.46 39.90 51.13 46.06
$1,000 13.80 18.30 23.30 38.00 48.70 43.87
$950 13.11 17.38 22.13 36.10 46.26 41.67
$900 12.42 16.47 20.97 34.20 43.83 39.48
$850 11.73 15.55 19.80 32.30 41.39 37.29
$800 11.04 14.64 18.64 30.40 38.96 35.09
$750 10.35 13.72 17.47 28.50 36.52 32.90
$700 9.66 12.81 16.31 26.60 34.09 30.71
$650 8.97 11.89 15.14 24.70 31.65 28.51
$600 8.28 10.98 13.98 22.80 29.22 26.32
$550 7.59 10.06 12.81 20.90 26.78 24.13
$500 6.90 9.15 11.65 19.00 24.35 21.93
$450 6.21 8.23 10.48 17.10 21.91 19.74
$400 5.52 7.32 9.32 15.20 19.48 17.55
$350 4.83 6.40 8.15 13.30 17.04 15.35
$300 4.14 5.49 6.99 11.40 14.61 13.16
$250 3.45 4.57 5.82 9.50 12.17 10.97
$200 2.76 3.66 4.66 7.60 9.74 8.77
$150 2.07 2.74 3.49 5.70 7.30 6.58
$100 1.38 1.83 2.33 3.80 4.87 4.39
 

Select Plan - Monthly Rates

Monthly Benefit Member or Spouse/Domestic Partner's Age
  18 - 29 30 - 39 40 - 49 50 - 59 60 - 64 65 - 69
$6,000 $50.35 $68.03 $98.65 $176.88 $227.23 $254.27
$5,750 48.25 65.20 94.54 169.51 217.76 243.67
$5,500 46.15 62.36 90.43 162.14 208.29 233.08
$5,250 44.05 59.53 86.32 154.77 198.82 222.48
$5,000 41.96 56.69 82.21 147.40 189.35 211.89
$4,750 39.86 53.86 78.10 140.03 179.89 201.89
$4,500 37.76 51.02 73.99 132.66 170.42 190.70
$4,250 35.66 48.19 69.88 125.29 160.95 180.10
$4,000 29.60 40.00 58.00 104.00 133.60 149.47
$3,900 28.86 39.00 56.55 101.40 130.26 145.73
$3,800 28.12 38.00 55.10 98.80 126.92 141.99
$3,700 27.38 37.00 53.65 96.20 123.58 138.26
$3,600 26.64 36.00 52.20 93.60 120.24 134.52
$3,500 25.90 35.00 50.75 91.00 116.90 130.78
$3,400 25.16 34.00 49.30 88.40 113.56 127.05
$3,300 24.42 33.00 47.85 85.80 110.22 123.31
$3,200 23.68 32.00 46.40 83.20 106.88 119.57
$3,100 22.94 31.00 44.95 80.60 103.54 115.84
$3,000 22.20 30.00 43.50 78.00 100.20 112.10
$2,900 21.46 29.00 42.05 75.40 96.86 108.36
$2,800 20.72 28.00 40.60 72.80 93.52 104.63
$2,700 19.98 27.00 39.15 70.20 90.18 100.89
$2,600 19.24 26.00 37.70 67.60 86.84 97.15
$2,500 18.50 25.00 36.25 65.00 83.50 93.42
$2,400 17.76 24.00 34.80 62.40 80.16 89.68
$2,300 17.02 23.00 33.35 59.80 76.82 85.94
$2,200 16.28 22.00 31.90 57.20 73.48 82.21
$2,100 15.54 21.00 30.45 54.60 70.14 78.47
$2,000 14.80 20.00 29.00 52.00 66.80 74.73
$1,950 14.43 19.50 28.27 50.70 65.13 72.86
$1,900 14.06 19.00 27.55 49.40 63.46 71.00
$1,850 13.69 18.50 26.82 48.10 61.79 69.13
$1,800 13.32 18.00 26.10 46.80 60.12 67.26
$1,750 12.95 17.50 25.37 45.50 58.45 65.39
$1,700 12.58 17.00 24.65 44.20 56.78 63.52
$1,650 12.21 16.50 23.92 42.90 55.11 61.65
$1,600 11.84 16.00 23.20 41.60 53.44 59.79
$1,550 11.47 15.50 22.47 40.30 51.77 57.92
$1,500 11.10 15.00 21.75 39.00 50.10 56.05
$1,450 10.73 14.50 21.02 37.70 48.43 54.18
$1,400 10.36 14.00 20.30 36.40 46.76 52.31
$1,350 9.99 13.50 19.57 35.10 45.09 50.44
$1,300 9.62 13.00 18.85 33.80 43.42 48.58
$1,250 9.25 12.50 18.12 32.50 41.75 46.71
$1,200 8.88 12.00 17.40 31.20 40.08 44.85
$1,150 8.51 11.50 16.67 29.90 38.41 42.97
$1,100 8.14 11.00 15.95 28.60 36.74 41.10
$1,050 7.77 10.50 15.22 27.30 35.07 39.23
$1,000 7.40 10.00 14.50 26.00 33.40 37.37
$950 7.03 9.50 13.77 24.70 31.73 35.50
$900 6.66 9.00 13.05 23.40 30.06 33.63
$850 6.29 8.50 12.32 22.10 28.39 31.76
$800 5.92 8.00 11.60 20.80 26.72 29.89
$750 5.55 7.50 10.87 19.50 25.05 28.02
$700 5.18 7.00 10.15 18.20 23.38 26.16
$650 4.81 6.50 9.42 16.90 21.71 24.29
$600 4.44 6.00 8.70 15.60 20.04 22.42
$550 4.07 5.50 7.97 14.30 18.37 20.55
$500 3.70 5.00 7.25 13.00 16.70 18.68
$450 3.33 4.50 6.52 11.70 15.03 16.81
$400 2.96 4.00 5.80 10.40 13.36 14.95
$350 2.59 3.50 5.07 9.10 11.69 13.08
$300 2.22 3.00 4.35 7.80 10.02 11.21
$250 1.85 2.50 3.62 6.50 8.35 9.34
$200 1.48 2.00 2.90 5.20 6.68 7.47
$150 1.11 1.50 2.17 3.90 5.01 5.60
$100 0.74 1.00 1.45 2.60 3.34 3.74

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 #s: GBD-1000 A (AGP-5728) and GBD-1000 A (AGP-5729)

Benefits

Choose Among Three COVERAGE OPTIONS

Basic Plan:

  • Monthly Benefit Amounts Available: From $100 up to $1,200.
  • Waiting Period Before Benefits Begin: 28 consecutive days of Total Disability.
  • Benefit Period: For Total Disability caused by an Injury: prior to age 63 benefits continue up to the earlier of 5 years or to age 65; age 64 to age 69 benefits continue to the earlier of 2 years or to age 70.
  • For Total Disability caused by Sickness, benefits continue to the earlier of 2 years or to age 70. (Disability benefits are not available after age 70 for Disability caused by Sickness or Injury.)

Extended Plan: Longer Benefit Periods

  • Monthly Benefit Amounts Available: From $100 up to $1,200.
  • Waiting Period Before Benefits Begin: 28 consecutive days of Total Disability.
  • Benefit Period:For Total Disability caused by an Injury: prior to age 63 benefits continue to age 65; age 64 to age 69 benefits continue up to the earlier of 2 years or to age 70.
  • For Total Disability caused by Sickness, benefits continue up to the earlier of 5 years or to age 70.

Select Plan: Highest Monthly Benefit Amounts Available

  • Monthly Benefit Amounts Available: From $100 up to $6,000.
  • Waiting Period Before Benefits Begin: 90 consecutive days of Total Disability.
  • Benefit Period: For Total Disability caused by an Injury: prior to age 63 benefits continue to age 65; age 64 to age 69 benefits continue up to the earlier of 2 years or to age 70.
  • For Total Disability caused by Sickness, benefits continue up to the earlier of 5 years or to age 70.

Replaces up to 75% of Your Pre-disability EARNINGS

You are eligible as long as you are under age 65, Actively at Work at least 30 hours per week, and a a resident of the United States. Your spouse/domestic partner is eligible as long as he/she is under age 65, is not legally separated or divorced from you, is Actively at work at least 30 hours per week, and is a resident of the United States.

Offset Provision: 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 your 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.

This example is for purposes of illustrating the effect of the benefit reductions and is not intended to reflect the situation of a particular claimant under the Policy:

Insured's monthly
Pre-Disability Earnings
$3,000
Disability benefits percentage x 75%
Unreduced maximum benefit $2,250
Less any Social Security
Disability benefit per month
- $ 1,100
Less any State Disability
benefit per month
- $ 500
Total amount of Disability
benefit per month
$ 650

Pays Benefits for all Covered Total Disabilities

This plan will pay you the Monthly Benefit you select (up to 75% of your Pre-Disability Earnings) if you become Totally Disabled due to a covered Injury or Sickness.

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 to and 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.

Apply Today

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

Application is subject to approval by Hartford Life and Accident Insurance Company.

Once approved, you will be billed on a quarterly basis.

Questions?

Call toll-free (866) 514-8974.

Policy Form #s: GBD-1000 A (AGP-5728) and GBD-1000 A (AGP-5729)

Terms

When Coverage Begins: Your coverage begins on the first day of the month following the Administrator's receipt of your applicaton, provided you are Actively At Work, meet any applicable 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, except due to Total Disability covered by the Policy, pay your premiums when due, and the Master Policy remains in force, you can keep this plan until you reach age 69 and nine months (Select Plan), or age 69 and 337 days (Basic and Extended Plans) If you cease to be Actively at Work due to a temporary lay-off or leave of absence, your coverage will continue for 26 weeks, provided you pay the required premium.

Exclusions: The Policy 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 starts; or with respect to any increase in coverage, within the one-year period prior to the effective date of your increase in coverage.

Recurrent Disability: if you cease to be Totally Disabled and return to work for a total of 10 days or less during the Elimination Period, the Elimination Period will not be interrupted.

Definitions:

Applicable to the Basic Plan and Extended Plan: 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: 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.

Elimination Period means the number of consecutive days at the beginning of any one period of Total Disability which must elapse before benefits are payable.

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 Totally 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 Totally Disabled; or the total number of calendar months immediately prior to the last day you were Actively At Work before you became Totally 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 plan.

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 Policy; 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 into this plan is subject to medical evidence of insurability as determined by The Hartford1. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no expense to you.

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 brochure explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGP-5728 and AGP-5729 as actually issued. In the event of a discrepancy between this brochure 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.

 

Endorsed by:

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

Underwritten by:
Hartford Life and Accident Insurance Company
Hartford, CT 06155
Policy Form # SRP-1151-A (HLA)(5730); Policy Form # SRP-1151-A (HLA)(5731)
Policy # AGP-5730 & AGP-5731

1The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

Read the full Hartford privacy policy.

Administered by:
Association Group Insurance Administrators
P.O. Box 26450, Phoenix, AZ 85068

AGIA is the Plan Administrator that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. NASW/ASI is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. Additionally, compensation is paid to or retained by the Group Policyholder directly or indirectly for services associated with this insurance program.

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Policy Form #s: GBD-1000 A (AGP-5728) and GBD-1000 A (AGP-5729)

Policy Form #s: GBD-1000 A (AGP-5728) and GBD-1000 A (AGP-5729)