In the event of a sudden illness or injury, you can still be financially secure.  Supplemental disability income eases the burden when paychecks stop.  As you recover, disability insurance can help assure you have enough to cover bills, support your family, and protect hard earned savings.

Do you really need Disability Insurance?

• Every 10 minutes, 396 people suffer a disabling injury.

• At any given time, approximately 10-15% of the total American population is disabled.

• The chances of becoming disabled between age 35 and 65 are 1 in 5.

• 48% of home foreclosures are due to disability.

• According to the Social Security Administration's Annual Statement Supplement, 2001 draft, 74.2% of disabled workers receive a monthly benefit of less than $1000.

Monthly Income Benefit - Elected by the contractor in an amount between $300 and $3,000 monthly, not to exceed 50% of basic monthly earnings.  This is the amount of monthly benefit you may be insured for.  The premium and the benefits paid are based on the plan chosen, your maximum monthly benefit, and any optional riders.  The selected plan, maximum monthly benefit and any optional riders will be shown on the scheduled page of the certificate and are chosen at time of application.

			Adjustments and Limitations:

The Monthly Disability Benefit Amount payable by the Company is the lesser of:

1. The Named Insured Monthly Benefit selected by the Insured as shown on the Certificate Schedule Page; or

2. The Insured's Covered Monthly Compensation multiplied by the Maximum Covered Percent, as shown on the Certificate Schedule Page, less the following benefits which the Insured may receive:

   1. The amount of any Disability Income Benefits for which the Insured is eligible to receive under any other group insurance plan of any employer;

   2. The amount of any Disability Income Benefits for which the Insured is to receive under any governmental retirement system;

   3. The amount of disability or retirement benefits under the United States Social Security Act or any similar state or federal government plan or act that the Insured or the Insured's dependents or spouse is eligible to receive;

   4. The amount of benefits from any employer's pension or retirement plan to which the Policyholder or Employer contributes or makes payroll deductions;

   5. The amount of earnings the Insured receives from any sick leave or formal salary continuation plan paid for by the Policyholder or Employer which extend beyond the Elimination Period stated in the Schedule.

   For the purposes of item (c), unless the Insured shows proof to the Company that payments under these acts have been applied for but will not be paid, the Company will:

   1. assume each Insured who is covered under Federal Social Security Act is receiving such payments; and,

   2. deduct any lump sum payment received by the Insured from the Monthly Disability Benefits payable.
       

The Monthly Disability Benefit payable will be no less than $100 per month.

This is a brief description of benefits.  Please review the policy description for information pertaining to exclusions, limitations, and pre-existing conditions.  Refer to the policy for a complete description of coverage, exclusions, and limitations.