When Coverage Begins: You or your spouse’s coverage begins on the first day of the month following the Administrator’s approval of your application, provided you are Actively At Work, meet any applicable evidence of insurability requirements, and have paid your premium. If on the date you or your spouse are to become covered, you or your spouse are not Actively At Work, coverage will not begin until the date you are Actively At Work for 1 month.

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 70. 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. Periods of Disability separated by at least 3 months, during which You are Actively at Work, will be considered separate Periods of Disability.

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 or your spouse from performing the essential duties of you or your spouse’s 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 or your spouse from performing the essential duties of you or your spouse’s occupation; and 2) after that, wholly and continuously prevents you or your spouse 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 or your spouse are performing all the essential duties of your or your spouse’s occupation for wage or profit on a full-time basis (at least 30 hours per week).

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

Current Monthly Earnings means monthly earnings you or your spouse receive from you or your spouse’s employer, and other employment, while you or your spouse are Totally Disabled.

Pre-Disability Earnings

1. for sole proprietor, partners, and shareholders in a S-Corporation means the monthly average of earnings reported as “net earnings from self-employment” for federal income tax purposes for,  the 3 tax year(s) immediately prior to the last day You were Actively at Work before You became Disabled; or the 1 tax year immediately prior to the last day You were Actively at Work before You became Disabled if employed for less than 3 calendar years; or with respect to Partners and shareholders in a S-Corporation, the average draw during their period as a partner or shareholder, if less than the above period;
2. for all others not defined above 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 independent of disease or bodily infirmity which occurs while You or Your Spouse are covered under The Policy. However, an Injury will be considered a Sickness if Your or Your Spouse’s Disability begins more than 30 days after the date of the accident.

Sickness means a Disability or loss which is (1) caused 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 any medical or surgical treatment for a condition shown in item (1) above.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford ¹. 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-5883 and AGP-5884 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.

A.G.I.A., Inc. 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.

Endorsed by:

Underwritten by:

Hartford Life and Accident Insurance Company
Hartford, CT 06155

 

¹The Hartford Financial Services Group, Inc. (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, Connecticut. For additional details, please read The Hartford’s legal notice at www.thehartford.com.

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CW Notice of Insurance Information Practices

MA Notice of Insurance Information Practices

Administered by:
A.G.I.A., Inc.
P.O. Box 26450, Phoenix, AZ 85068