A disabling injury could be more financially damaging than death. That’s why MDA developed an EXCLUSIVE plan offer to help protect your income and other assets. The MDA-sponsored EarningsGuard plan is a first of its kind offer designed for members like you who work. It’s not available to the general public!

The EarningsGuard Plan is an accident disability insurance plan that helps protect your income by paying you monthly benefits if you are Totally Disabled from a covered accident and are unable to work and collect a paycheck.

Guaranteed Acceptance
As an MDA Professional in good standing under age 65, who resides in the United States, and is Actively At Work at least 25 hours per week, your acceptance is guaranteed. You cannot be turned down! To get your protection in force, all you need to do is complete and return your GUARANTEED ACCEPTANCE form and premium payment. That’s all there is to it – no medical questions or physical exams are needed.

Pays Monthly Cash Benefits
If you become Totally Disabled from a covered accident, EarningsGuard will pay you monthly cash benefits based on the benefit amount you select. You can choose monthly benefit amounts from $1,000 up to $5,000 in $100 increments (Your benefit amount must be less than 70% of your Basic Monthly Pay, minus any Other Income Benefits).

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	$3,000.00
Disability benefits percentage	X60%
Unreduced maximum benefit	$1,800.00
Less any Workers Compensation benefit per month	-$400.00
Total amount of disability benefit per month	$1,400.00

Short Waiting Period
Many disability plans make you wait up to 180 days before you collect benefits. But with EarningsGuard, you’ll receive your benefit amount within 30, 60 or 90 days of Total Disability. And it will keep paying for up to two years as long as you remain Totally Disabled.

EarningsGuard Semi-Annual Rates

Rates and/or benefits will not be changed unless they are changed for all insureds in your classification. Rates are based on the attained age of the Insured Person and increase as you enter each new age category. Monthly benefit amounts are available in $100 increments up to $5,000. Please contact the program administrator for a rate quote.

Pay Benefits for “Total Disability”
Total Disability means disability which wholly and continuously prevents you from performing the substantial and material duties of your usual occupation.

When Coverage Begins
Your coverage will become effective on the first of the month after we receive your signed Acceptance Form and premium payment. (If you are not Actively At Work on that date, coverage will become effective on the first day of the month on or next following the date you are actively at work for three consecutive months),

Termination
Your coverage will then remain in effect as long as you are an MDA Professional, pay your premiums when due, you remain employed a minimum of 25 hours per week, except due to covered disability, are under age 70 and the Master Policy is in force.

Exclusions
This Policy does not cover:

• Intentionally self-inflicted injury, suicide or attempted suicide, while sane or insane;
• War or act of war, whether declared or not;
• Any injury sustained while riding on, boarding or alighting from, any aircraft; as a pilot, crew member or student pilot; operated by an military authority (land, sea or air), unless it is a Military Transport Aircraft used for transport and operated by the United States Military Air Mobility Command (AMC) or an AMC type service of a national government recognized by the United States; or being used for tests, experimental purposes, stunt flying, racing or endurance tests;
• The commission or attempted commission of a felony by you;
• Sickness of disease;
• Injury sustained prior to the effective date of coverage;
• Injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority.

Basic Monthly Pay
With respect to an Insured Person who is self-employed, Basic Monthly Pay means the Insured’s average net monthly income (gross revenues less business expenses) from the personal practice of his profession or personal conduct of his main business. This average is based on net income for the 12 months, or 24 months, whichever produces the higher average, before the determination is made. If a member has been self-employed for less than 12 months, it is based on the whole time he was self-employed. If a member’s practice is incorporated, earned income includes the cost to his company of fringe benefits and his share of total surplus. Income does not include investment returns, rents, royalties and the like income which is not directly produced from the member’s current work. With respect to an Insured Person who is not self-employed, Basic Monthly Pay means an Insured Person’s regular monthly rate of pay, not counting commissions, bonuses, overtime pay or any other fringe benefit or extra compensation, in effect on the last day of Active employment prior to becoming Disabled.

Injury means bodily injury which results directly and independently of all other causes from an accident.

Periods of Disability: due to the same or related medical causes; and separated by less than 6 months during which the Covered Person is actively at work; will be considered one period of disability. Benefits during any period of disability as a result of more than one accident will be considered the same as if the disability resulted from only one cause.

Important Notes
This is limited accident only coverage.

This Web site explains the general purpose of the insurance described, but in no way changes or affect the policy as actually issued. In the event of a discrepancy between this Web site 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 Insurance Company details 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.

Underwritten by: Hartford Life Insurance Company, Simsbury, CT 06089