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DISABILITY INSURANCE

LONG TERM CARE INSURANCE

Benefits & Coverage

Features of your First Reliance Standard Voluntary Plan Disability Income Protection Insurance

Benefit Amount: You may choose the amount of income you wish to insure up to 60% of your earnings.

Amounts of Coverage Available: $500/month up to $5,000/month (in $100 increments).

Injury/Sickness: Disability income protection insurance pays a benefit for a disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration.

Elimination Period: 180 days.

Maximum Benefit Duration: Injury/Sickness: Age 65 with ADEA compliance.

Plan Highlights:

• Elimination Period Interruption included
• Maternity covered as any other illness
• Partial disabilities covered
• 6/12 Pre-Existing Condition Limitation
• 24-hour coverage
• Social Security Integration: Full Family
• Minimum Benefit: $100/Month
• Definition of Disability:
  • Own Occupation: 24 months
  • Any Occupation: To Max Duration
• FMLA/Military Services Leave of Absence Coverage: Yes
• Specific Indemnity Benefit: Yes
• Three month Survivor Benefit: Yes
• 24 month benefit for substance abuse, mental disorders and other limited benefits: Yes

NEXT: Eligibility & Costs

For an in-depth explanation of First Reliance Disability Income Protection Insurance Plan, download a PDF brochure.

 Benefits & Coverage

 Eligibility & Costs

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