Guaranteed Issue Disability Plan

 
   



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A Plan Especially Designed for Postal and Federal Employees

 

Check out these Guaranteed Plan Benefits:

  • Guaranteed Issue***
  • Pays in addition to any other insurance.
  • Covers Maternity as any other covered Sickness.
  • You can keep your plan if you change jobs.
  • One rate for all ages.
  • Unisex rates.

 
Monthly Benefit
DISABILITY INCOME-Accident-Pays a monthly benefit if you are totally disabled due to a covered injury that occurs. Monthly benefits will begin after an elimination period of 14 or 30 days. Monthly benefits continue while your total disability glass or until the end of one year or two years.
$600 - $2,500
 
DISABILITY INCOME-Sickness-Pays a monthly benefit if you are totally disabled due to a covered sickness that occurs. Monthly benefits will begin after an elimination period of 14 or 30 days. If you are hospitalized (24) hours, benefits will begin on the day the insured is admitted; for 14 days only. Monthly benefits continue while your total disability lasts or until the end of one year or two years.
$600-$2,500
   

* The price for this policy includes both Accident and Sickness riders.

Waiver of premium - All premiums that are due after you have received benefits for 90 days will be waived for as long as benefits are payable at no additional charge.

   

 

Plan Premiums:

   
Biweekly
Deduction
14/14
**
Bi-weekly
Deduction
30/30
**
Disability Plans  

One Year Benefit Period

     

$600 per month Benefit

 
$14.19
$11.64

$800 per month Benefit

 
$18.92
$15.52

$1000 per month Benefit

 
$23.65
$19.40

$1200 per month Benefit

 
$28.39
$23.28

$1400 per month Benefit

 
$33.12
$27.17

$1500 per month Benefit

 
$35.48
$29.11

$1800 per month Benefit

 
$42.58
$34.93

$2000 per month Benefit

 
$47.31
$38.81

$2500 per month Benefit

 
$59.14
$48.51
   

Two Year Benefit Period

 

$600 per month Benefit

 
$16.74
$14.19

$800 per month Benefit

 
$22.32
$18.92

$1000 per month Benefit

 
$27.90
$23.65

$1200 per month Benefit

 
$33.49
$28.39

$1400 per month Benefit

 
$39.07
$33.12

$1500 per month Benefit

 
$41.86
$35.48

$1800 per month Benefit

 
$50.23
$42.58

$2000 per month Benefit

 
$55.81
$47.31

$2500 per month Benefit

 
$69.76
$59.14
       
**Elimination Period in Days      

 

DEFINITIONS
When we use the following words, we mean:
Injury-bodily injury sustained by an insured person which:
(1) is directly caused by an accident, independent of all other causes; and
(2) occurs while the policy is in force for the person on who claim is made.
Sickness-disease or illness which first manifests itself after the coverage becomes effective for the person insured.
Totally disabled or total disability-means you are totally disabled when unable, because of injury or sickness *, to perform all the substantial and material duties of your principal occupation during the first two years of disability; thereafter it means your inability, because of injury or sickness *, to perform the duties of any occupation for which you are reasonably suited by education, training, or experience. You are not totally disabled when not under the regular care of a Physician (unless the Physician tells us that regular care would be of no further benefit to you during such continuing disability). Benefits are payable while you remain alive and totally disabled.
* applies only if sickness rider has been purchased.

RENEWABILITY
You have the right to renew the policy until the first premium to date on or after your 65th birthday, if you paid their correct premium went to or within the grace period. Thereafter, you have the right to renew the policy on each policy anniversary if you are actively at work (at least 30 hours per week) and you pay the correct premium win two or within the grace period.
Also, we reserve the right to change premiums from time to time. If we do change premiums, we will do so only:
(1) if we change the premiums for all policies of the same form in your state of residence; and
(2) if such change is in accordance with the laws and regulations of your state of residence; and
(3) if we give you 31 day's notice before such change becomes effective.
Any change in the premium will be based on your:
(1) age on the policy date; and
(2) occupation class on the policy date.

LIMITATIONS AND EXCLUSIONS
We do not cover total disability or other loss caused by:
-injuries that are intentionally self inflicted;
-travel in, or decent from, and aircraft, except when a fare - paying passenger;
-alcoholism or drug addiction;
-voluntary inhalation of gas;
-injury sustained or sickness which manifests itself while on fulltime duty in the armed forces. Upon notice, we will refund the portion of unearned premium paid while in such forces;
-suicide or attempted suicide, while sane or insane;
-mental or emotional disorders without demonstrable organic disease;
Hernia, or any complications there from, is not deemed an injury.

Additional limitations and exclusions for hospital indemnity riders, if purchased:
-injury or sickness incurred while outside the United States, its positions or Canada, except for emergency care for acute onset of sickness or accidental injury sustained while traveling for business or pleasure:
-Dental treatment unless due to injury;
-cosmetic care, except medically necessary reconstructive plastic surgery.
Medically necessary reconstructive plastic surgery is defined as:
(a) surgery to restore normal bodily function;
(b) surgery to improve functional impairment by anatomic alteration made necessary as a result of a congenital birth defect;
(c) breast reconstruction following mastectomy.

***PRE-EXISTING CONDITIONS
For persons under age 65 when the coverage becomes effective, we do not cover a pre-existing conditions for the first two years after the effective date of their coverage.
Pre-existing conditions, for persons under age 65 on the effective date of their coverage means:
a. The existence of symptoms which would cause an ordinarily prudent person to seek medical diagnosis, care or treatment during the two years before the effective date of his/her coverage; or
b. A condition for which medical advice or treatment was recommended by or received from a Physician during the two years before the effective date of his/her coverage.
For persons age 65 and over when their coverage becomes effective, we do not cover a pre existing conditions for the first six months after the effective date of their coverage.
Pre existing conditions, for persons age 65 and over on the effective date of their coverage means:
a. A condition for which medical advice or treatment was recommended by or received from a Physician during the six months before the effective date of his/her coverage.
This provision does not affect the newborn dependent child added after the policy date.
Pre-existing conditions specifically named or described as excluded in any part of the contract are never covered.

 
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