Disability Insurance - FAQs and Helpful Information

• When does my coverage go into effect?
  Your policy becomes effective on the date when the premium is first deducted from your account or paycheck.
• I have some pre-existing health conditions. Will I be covered if I become disabled due to my pre-existing condition?
  Your pre-existing conditions will be covered after you have been in the program for one year.
• Does this policy cover routine maternity (childbirth)?
  Yes, routine maternity is covered (the inception of the pregnancy must occur after the policy effective date).
• What is the maximum monthly benefit I can sign up for?
  You can sign up for the lesser of $5000 per month or 65% of your base salary.
• Does this coverage cover me if I'm hurt on the job?
  If you are hurt on the job, and covered by workers compensation, the plan will pay you 50% of your monthly benefit.
• How long do I have to be out before coverage begins?
  The policy has a 14 day elimination period.
• Does this policy cover both accidents and sicknesses?
  Yes, disabilities due to both sickness and accidents are covered.
• Can I be turned down for this disability coverage?
  If you are a medical professional, under age 70, and for the past 30 days have been performing normal activities and have been actively at work full time, at your regular occupation, you cannot be turned down for this coverage.
• Are disabilities due to mental and emotional conditions covered?
  No, mental and emotional conditions are not covered.
• I have disability coverage with another company. Can I sign up for your plan as well?
  Yes, but your total monthly benefit with both companies cannot exceed 65% of your pay.
• Can my spouse get the coverage?
  Your spouse can apply for disability coverage, but is not guaranteed to be accepted. Medical questions must be answered and the rates may differ.

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