Long Term Disability
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Why Disability Insurance?
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Firefighters Plan
Group Policy #753380
Monthly Benefit
60 percent of your monthly pre-disability earnings, reduced by deductible income (e.g., work earnings, workers’ compensation, state disability, etc.)
Maximum Monthly Benefit
$7,500 before reduction by deductible income
Minimum Monthly Benefit
$100 or 10%
Benefit Waiting Period
For Disability arising out of or in the course of your employment for wage or profit: 180 days For all other Disabilities: 30 days
Life Coverage Amount
Your Life coverage amount is $5,000.
AD&D Coverage Amount
For a covered accidental loss of life your AD&D coverage amount is $5,000. For other covered losses, a percentage of this benefit will be payable.
Age Reductions
Life and AD&D insurance coverage amounts reduce by 35 percent at age 70, and by 50 percent at age 75.
Monthly Benefit
60 percent of your monthly pre-disability earnings, reduced by deductible income (e.g., work earnings, workers’ compensation, state disability, etc.)
Maximum Monthly Benefit
$7,500 before reduction by deductible income
Minimum Monthly Benefit
$100 or 10%
Benefit Waiting Period
For Disability arising out of or in the course of your employment for wage or profit: 180 days For all other Disabilities: 30 days
Life Coverage Amount
Your Life coverage amount is $5,000.
AD&D Coverage Amount
For a covered accidental loss of life your AD&D coverage amount is $5,000. For other covered losses, a percentage of this benefit will be payable.
Age Reductions
Life and AD&D insurance coverage amounts reduce by 35 percent at age 70, and by 50 percent at age 75.
