WHY SHOULD I APPLY FOR THIS PLAN?
Accidents and illness occur with no warning. What would happen
to your family if you became injured or sick and could not work?
The last thing you would want to worry about is how your bills were
going to be paid. You can help prevent this anxiety by considering
your association endorsed plan. A plan that is extremely economical
due to the mass purchasing power of the Association.
HERE'S HOW THE ASSOCIATION ENDORSED PLAN
WORKS.
Your plan will pay a monthly benefit amount to a maximum of $7,500
but not to exceed 60% of your monthly-earned income less other disability
income insurance in effect. You may choose a plan that pays monthly
disability benefits to Age 65 or for 5 years for an accident or
sickness as long as you remain totally disabled. Total disability
means you will receive own-occupation protection for up to five
years for whichever plan you choose. This means you qualify for
benefits if you cannot perform the substantial and material duties
of your own regular occupation. Thereafter, the definition of disability
is the continuous inability to perform any occupation for which
you are reasonably suited in terms of education, training and experience.
Own occupation means your specialty in practice of medicine or dentistry.
AGE 65 PLAN
Benefits Payable For Total Disability beginning:
| Before Age 63: |
To Age 65 |
| Age 63 - 69: |
2 years |
5 YEAR PLAN
Benefits payable for Total Disability beginning:
| Before Age 61: |
5 years |
| Age 61: |
4 years |
| Age 62: |
3 years |
| Age 63-69: |
2 years |
|
You may also choose from one of these waiting periods:
| PLAN A |
90 days for injury or sickness |
| PLAN B |
180 days for injury or sickness |
| PLAN C |
365 days for injury or sickness |
You will begin to receive monthly benefits after your waiting period
ends.
THE PLAN CAN HELP YOU WHEN YOU BECOME
PARTIALLY DISABLED.
Your benefits will continue even if you return to
work. If you are unable to work for more than four hours a day and
are under the care of a physician, this plan will pay for up to
six months at 50% of your total disability amount. Benefits begin
on the first day following the last day when Total Disability benefits
have ceased.
THE PLAN CAN HELP WITH REHABILITATION.
This plan places its emphasis on abilities rather
than disabilities. A staff of nurses and trained counselors will
custom tailor a program to fit your needs and your aspirations so
you have a better and more productive life. We'll work with you
to get you back on your feet.
WILL MY PLAN HAVE A WAIVER
OF PREMIUM PROVISION?
Yes - Future premiums will be waived for as long as
benefits are payable after you have been totally disabled for six
months.
WILL MY PLAN HAVE A SURVIVOR
BENEFIT?
Yes-If you die while receiving disability benefits,
your beneficiary will receive a lump sum benefit worth three times
the last monthly benefit period.
HOW DO I KNOW IF I CAN APPLY
FOR THIS PLAN?
All members under age 60, who are actively at work
full-time for at least 30 hours per week, live in the United States.
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