Highlights
Long Term Disability insurance, underwritten by the Hartford Life and Accident Insurance Company, can help protect your income if you are Totally Disabled and unable to perform the essential duties of your profession.
The association's LTD program recognizes your medical specialty, unlike many other programs today.
Eligible Persons:
Class 1: Each member of the Policyholder who:
a) is under age 60;
b) resides in the United States;
c) and is Actively-at-Work
Class 2: Each employee of a member of the Policyholder who:
a) is under age 60;
b) resides in the United States;
c) and is Actively-at-Work
Class 3: An eligible member’s Spouse who:
a) is under age 60;
b) resides in the United States;
c) and is Actively-at-Work
Policy Age Limit: Age 70
Choice of Benefit Amounts
If you are under age 60 on the effective date of coverage, you may apply for benefits from $200 to $7,500/month in $100 increments. The amount you choose may not exceed 60% of your Basic Monthly Pay.
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 ........................$3,700
Long-term disability benefits percentage ........................x 60%
Unreduced maximum benefit ..........................................$2,220
Less Social Security disability benefit per month..............–$900
Less state disability income benefit per month.................–$300
Total amount of long-term disability benefit per month…..$1,020
Choice of Benefit Period
For Members and/or Spouse/Domestic Partner:
Option I: For Total Disability beginning: before age 61: 5 years; age 61 or over, but under 62; 4 years; age 62 or over, but under 63: 3 years; age 63 or over, but under 70: 2 years.
Option II: For Total Disability beginning: before age 63: to age 65; age 63 or over, but under 70: 2 years
For Employees of Members and/or Spouse/Domestic Partner: Option I: 2 Years.
Coverage Effective Date
Once your application is approved by The Hartford, coverage will become effective on the later of:
a) the Policy Effective Date;
b) the first day of the month on or next following the date The Hartford receives the request; or
c) If evidence of insurability is required, the first day of the month on or next following the date The Hartford determines that he or she is insurable; subject to the Deferred Effective Date provision. If on the date you are to become: covered under the Policy; or covered for increased benefits under the Policy; and you are not Actively-at-Work on that date, you will not be so covered until the first day of the month on or next following the date you are Actively-at-Work for 30 days.
Choice of Waiting Period
You determine how long a waiting period you need between the date of disability and the date you begin qualifying for benefits. Choose from among 90 or 180 days.
Special Features
Medical Specialty Definition of Total Disability — You may receive benefits if you are wholly and continuously unable to perform the essential duties of your regular specialty during the waiting period and the first 24 months of a Total Disability. (See Important Definitions section.)
Partial Disability Benefit — If you are prevented from performing some, but not all of the essential duties of your own occupation, are working on either a part time or limited duty basis, and sustain a loss of at least 20% of your current monthly earnings, you may receive a partial benefit proportionate to your percentage of continuing income loss. The disability must last at least as long as your elimination period for Total Disability. Partial Disability must begin before you attain age 65 and while you are covered under this Plan.
Rehabilitative Employment Benefit — If, while an insured person it Totally Disabled or Partially Disabled, he or she accepts Rehabilitative Employment, The Hartford will continue to pay a monthly benefit amount. The monthly benefit amount we will pay will be equal to the Insured Person's Injury and Sickness Total Disability Monthly Benefit Amount, less 50% of any income received from the Rehabilitative Employment.
The sum of the Monthly Benefit Amount and total income received from a program of Rehabilitative Employment may not exceed 100% of the Insured Person's Basic Monthly Pay. If this sum exceeds the Basic Monthly Pay, the Monthly Benefit Amount paid by The Hartford will be reduced accordingly.
Waiver of Premium — If you become Totally Disabled as defined by the group policy and receive benefits for six successive months, future premiums will be waived for as long as you are eligible to receive benefits.
Termination
Your coverage will terminate on the earliest to occur of:
a) the date the Policy is cancelled; or
b) the date the Policyholder withdraws its sponsorship of, or cancels, the Policy; or
c) the Premium Due Date on or next following the date you:
1) cease to be an active member of the Policyholder; or
2) attain the Policy Age Limit shown in the Schedule; or
3) cease to be Actively at Work, except due to disability covered by the Policy; or
d) the Premium Due Date the required premium contribution is not made, subject to the Grace Period.
Exclusions
No monthly benefit will be paid for disability due to:
1) intentionally self inflicted Injury, suicide or attempted suicide, while sane or insane;
2) war or act of war, whether declared or not;
3) the commission or attempted commission of a felony by you;
Successive Periods of Disability
Successive Periods of Disability Limitation: Periods of Disability: due to the same or related medical causes; and separated by less than six months during which you are Actively-at-Work; will be considered one Period of Disability.
Preexisting Conditions Limitation
Preexisting Condition means:
- any Injury or Sickness, diagnosed or undiagnosed, for which Medical Care is received within 12 months prior to your coverage effective date, or if requesting an increase in coverage, within the 12 months prior to the effective date of the increase.
- Medical Care includes consultation, medical advice, tests, medical services, supplies or equipment, including their prescription or use; prescribed drugs or medicines, or care or treatment within 12 months before a person became insured under the group policy.
If Total Disability is due to a preexisting condition and it begins within 24 months of the date the person becomes insured by the group policy, no benefits will be paid unless the person has not received medical care for 12 continuous months, while insured.
Important Definitions
Injury means bodily injury that results directly and independently of all other causes from an Injury.
Total Disability or Totally Disabled means a disability that, during the waiting period and the first 24 months during which benefits are payable, wholly and continuously prevents you from performing the essential duties of your regular medical specialty.
Actively-at-Work means you are performing all the regular duties of an occupation for wage or profit on a full-time basis (at least 25 hours per week).
Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. 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.
Underwritten by: Hartford Life and Accident Insurance Company, Simsbury, CT 06089 Policy Form SRP-1311 A (HLA) (5541)
This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website 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.
NOTICE OF INSURANCE INFORMATION PRACTICES
To properly underwrite and administer your application for insurance coverage, we must collect certain information concerning your insurability. You are our most important source of information, but we may also contact other sources such as medical professionals and institutions, employers and other insurance companies. While all information regarding your insurability will be treated as confidential, in some situations, and in compliance with applicable law, we may disclose necessary items of information to third parties without your specific authorization.
INVESTIGATIVE CONSUMER REPORTS – NOT APPLICABLE TO RESIDENTS OF NEW YORK
As part of our procedure for processing your application, an investigative consumer report may be prepared by an outside insurance reporting organization. Personal information may be collected from others regarding your general reputation and lifestyle. If an interview is conducted with someone other than you, we will inform you of your right to be interviewed in connection with the preparation of the investigative consumer report. You have the right to send a written request within a reasonable period of time to receive additional detailed information about the nature and scope of this investigation.
PERSONAL HISTORY INTERVIEW
To provide you, our client, with the best possible service, we may also conduct what we call a personal history interview. This is a phone call placed from our underwriting office. Its purpose is to make sure that the application information is complete. Our interviewers are trained to conduct their calls in a friendly, professional manner. The nature of the information discussed is always treated as personal and confidential and will only be used to assess your eligibility for insurance.
MEDICAL INFORMATION BUREAU (MIB) PRE-NOTICE
Information regarding your insurability will be treated as confidential. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may, however, make a brief report thereon to the MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company, with the information about you in its file. Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at (866) 692-6901 (TTY (866) 346-3642). If you question the accuracy of the information in MIB's file, you may contact MIB and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of MIB's information office is 50 Braintree Hill Park, Suite 400, Braintree, Massachusetts 02184-8734. Hartford Life Insurance Company, Hartford Life and Accident Insurance Company, or their reinsurers, may also release information from their files to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.
ACCESS, CORRECTION AND DISCLOSURE
You can obtain access to personal information about you contained in our policy files by sending us a written request. You may also request any necessary corrections, amendments or deletion of any information in our files which you believe to be inaccurate or irrelevant. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may release information in their files to other life insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Also, please be advised that personal and confidential information collected by us may, in certain circumstances, be disclosed to third parties without authorization. A notice providing further description of the circumstances under which information about you may be disclosed and the types of persons and organizations to whom it may be disclosed will be sent to you upon your written request. If you desire further information or access to your personal information, please send your written request to: Hartford Life Insurance Company or Hartford Life and Accident Insurance Company, 200 Hopmeadow St., Simsbury, CT 06089.
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