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Disability Income Insurance

How would you make ends meet if a disability kept you from working?

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Disability Income Insurance Plan

The AMTA Group Disability Income Insurance Plan can go a long way helping with monthly disability benefit amounts of up to $4,000.

Disability Income Insurance Tabbed Product Details

Overview

Most things in your life depend dramatically on your ability to earn an income. Your home. Your everyday living expenses. Your children’s child care and educational needs. Your savings. Your hopes for retirement. Your dreams for the future.

So, if your income stops due to a disabling injury or illness, how will you pay your mortgage, your household bills, and the everyday living expenses for you and your family? Will you have to dip into your savings or other assets? And will your savings, the equity in your home, your retirement nest egg, and your other assets be able to carry you through until you’re recovered and able to return to work? And would you even want to use up your current financial resources like that, anyway?

With so many things in life being uncertain, why not help protect yourself and your loved ones from the financial risks and uncertainties surrounding a disability? Secure AMTA Group Disability Income Insurance today … so it’ll be there for you should you ever need it.

Plus, you pay an affordable group rate thanks to AMTA’s group purchasing power. You can receive monthly benefits from $400.00 up to $4,000 for up to 5 years.

Eligibility: If you are an AMTA member, under age 60, actively-at-work at least 20 hours a week, and are a U.S. resident, you are eligible to apply for a monthly benefit amount up to a maximum of $4,000 or 70% of your Pre-Disability Earnings.

Spouse/Domestic Partner Eligibility: Your spouse/domestic partner is eligible as long as he/she is under age 60, actively-at-work at least 20 hours per week, is a U.S. resident, and is not legally separated or divorced from you. Your domestic partner is eligible as long as they are registered as a Domestic Partner, or execute a Domestic Partner Affidavit acceptable to the insurer. If both spouses/domestic partners are members they cannot be covered as a member and dependent.

Benefits

Pays Benefits for all Covered Total Disabilities

This plan will pay you the monthly benefit you select, with a minimum of $400, up to a maximum of $4,000 or 70% of your Pre-disability Earnings if you become Totally Disabled due to a covered Injury or Sickness. If you are Disabled prior to age 64, the Maximum Payment Period is 12 months for Disability due to a covered Sickness, and up to 5 years for Disability due to a covered Injury. For any Disability on or after age 64, the Maximum Payment Period is 12 months.

You can Apply Today through our secure online application process. Send no money now. Application is subject to the approval of the underwriting company.

Benefits Paid for Working While Disabled

You're eligible to receive a monthly benefit if you are working but have a disability that prevents you from performing some, but not all of the essential duties of your occupation.

Get Help with the Rehabilitative Employment Benefit

This feature helps you return to the workforce. If necessary and appropriate, the Plan provides vocational testing and training, workplace modification, prosthesis and job placement. Pays in addition to your monthly benefit—up to 12 months and may not exceed 100% of your Pre-Disability Earnings.  

30-day FREE Look

When you receive your Certificate of Insurance, please read it carefully. If you’re not completely satisfied, simply return your Certificate, within 30 days. Any premium you may have paid will be promptly refunded minus any claims paid. No questions asked.

Rates

AMTA Disability Income Insurance Semi-Annual Premiums Per $100 of Monthly Benefit

Insured Person's Age

45-Day Elimination Period

60-Day Elimination Period

90-Day Elimination Period

180-Day Elimination Period

Under Age 30

$4.20

$3.00

$2.10

$1.20

30-34

$5.10

$3.60

$2.40

$1.50

35-39

$6.00

$4.50

$3.00

$2.40

40-44

$8.70

$6.30

$4.50

$3.00

45-49

$12.30

$9.00

$6.00

$4.50

50-54

$17.46

$12.60

$8.40

$6.60

55-59

$27.00

$19.50

$13.80

$10.50

60-64*

$33.60

$24.00

$15.60

$13.80

 

*Premiums for Ages 60 and over are Renewal Premiums only.

Rates are based on the attained age of the Insured person and Increase as you enter each new age category. Rates and/or benefits may be changed on a class basis. Semi-annual premiums are shown, for your convenience you will be charged on a quarterly basis. If spouse is applying, the Elimination Period must equal the Elimination Period that the member has chosen.

Terms

Effective Date

Coverage will begin on the 1st of the month, following the receipt of your approved application and payment.

Deferred Effective Date

If on the date You or your Spouse are to become covered: 1) under The Policy; 2) for increased benefits; or 3) for a new benefit and You are not Actively at Work on that date, coverage will not begin until the first day of the month on or next following the date You or he or she are Actively at Work for 1 month(s).

Total Disability means disability which: during the Elimination Period and first 24 months when Total Disability benefits are payable, wholly and continuously prevents you or Your Spouse from performing the Essential Duties of Your or Your Spouse's occupations; and after that, wholly and continuously prevents You or Your Spouse from engaging in any Occupation.

Elimination Period means the number of consecutive days at the beginning of any one period of Total Disability which must elapse before benefits are payable.

Actively-at-Work means You or Your Spouse are performing all the Essential Duties of Your or Your Spouse's Occupation for wage or profit on a full-time basis (at least 20 hours per week).

Pre-disability Earnings means: if You are self-employed, Your 's average net monthly income (gross revenues less business expenses) from:

  • 1) the personal practice of Your 's profession; or
  • 2) personal conduct of Your 's main business.

This average is based on net income for: 1) 12 months; or 2) 24 months; whichever produces the higher average, before the determination is made. If You have been self-employed for less than 12 months, it is based on the whole time You were self-employed. If Your practice is incorporated, net income includes the cost to Your 's company of fringe benefits and Your share of total surplus. Income does not include investment returns, rents, royalties, and the like income which is not directly produced from Your 's current work.

Pre-disability Earnings means: if You are not self-employed, Your 's regular monthly rate of pay, not counting commissions, bonuses, tips and tokens, overtime pay or any other fringe benefits or extra compensation, in effect on the last day You were Actively at Work before You became Disabled.

Exclusions and Limitations

The Policy does not cover any Disability or loss caused by:

  1. intentionally self-inflicted Injury, suicide or attempted suicide, while sane or insane;
  2. pregnancy or childbirth, except Complications of Pregnancy;
  3. war or act of war, whether declared or not;
  4. any Injury sustained while riding on, boarding or alighting from, any aircraft: (a) as a pilot, crew member or student pilot; (b) 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 (c) being used for tests, experimental purposes, stunt flying, racing or endurance tests;
  5. Your commission or attempted commission of a felony;
  6. Sickness contracted or Injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority.

We will refund the pro rata portion of any premium paid for you while you are in the Armed Forces on full-time active duty for a period of two months or more. Written notice must be given to us within 12 months of the date you enter the Armed Forces.

Pre-Existing Condition Limitation:

Conditions Prior to Effective Date: We will not pay a Benefit for any loss or period of Total Disability which: begins during the first 24 months of your insurance; and is a result of a Pre-Existing Condition unless such Total Disability begins after You have been free of Medical Care for the condition for a 12 month period ending any time on or after Your effective date..

Pre-Existing Condition means any Disability, diagnosed or undiagnosed, for which medical care is received by you: within the 12-month period prior to your effective date of insurance, or prior to any increase in coverage.

Termination: Your coverage and your Spouse's coverage will end on the earliest of:

  • the date the Policy terminates; or
  • the premium due date on or next following the date:
    • You cease to be an active member of the policyholder; or
    • You or Your Spouse attain the Policy Age Limit;
  • the date You or Your Spouse cease to be Actively-at-Work, except due to disability covered by The Policy; or
  • the premium due date any required premium contribution is not made, subject to the Grace Period; or
  • with respect to a Spouse or Domestic Partner's coverage, the premium due date he or she is legally separated or divorced from You.

However, if Your Spouse's coverage would terminate because of Your death, coverage will continue until the premium due date on or next following Your death unless continued in accordance with the Surviving Spouse Continuation provision.

Recurrent Disability: If You cease to be Totally Disabled and return to work for a total of 14 days or less during the Elimination Period, the Elimination Period will not be interrupted. Except for the 14 days or less that You work, You must be Totally Disabled by the same condition for the total Elimination Period.

Periods of Disability: 1) due to the same or related medical causes; and 2) separated by less than 6 months during which You are Actively-at-Work will be considered one Period of Disability.

Periods of Disability separated by at least 6 months during which You are Actively-at-Work will be considered separate Periods of Disability.

Benefits during any Period of Disability as the result of: 1) more than one Sickness; or 2) more than one Injury; or 3) both Sickness and Injury; will be considered the same as if the Disability resulted from only one cause.

NY: This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services.

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.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford.1

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.

A.G.I.A, Inc., is the Plan Administrator who administers the insurance plan on behalf of Hartford Life and Accident Insurance Company. A.G.I.A, Inc., is also the Insurance Broker who is compensated for the placement of insurance.

1The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

Important Notices

Notice of insurance information practices - Countrywide

Notice of insurance information practices - Massachusetts

 

Sponsored by:
AMTA Optional Insurance Program

AMTA logo

Underwritten by:
Hartford Life and Accident Insurance Company
One Hartford Plaza, Hartford, CT 06155
Policy # AGP-5874; Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.

The Hartford logo

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. J. Christopher Burke California Insurance license number is 0F709407. J. Christopher Burke Arkansas Insurance license number is 8876308.

AMTA Group Insurance Program Administered by:
A.G.I.A., Inc.
PO BOX 26860, Phoenix, AZ 85068
Questions? Call toll-free 1-866-803-6773

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AMTA Disability Income Insurance Online and Printable Applications

 

Download printable application for California residents

Download printable application for New York residents


 

30-Day Free Look

When you receive your Certificate of Insurance, please read it carefully. If you’re not completely satisfied, simply return your Certificate within 30 days. Any premium you paid will be refunded, minus any claims paid. No questions asked.

Not available in all states
Please call 1-866-803-6773 for assistance.

Policy # AGP-5874; Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.

Form PA-9199

Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155.

MT-21601