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COMPREHENSIVE ACCIDENT COVERAGE
Who's Eligible?
Rates &/or benefits may be changed on a class basis Billing Mode Options: Monthly, Quarterly, Semi-Annual or Annual Policy Age Limit: 65 Effective Date: Each Eligible Member or Employee or Employee or Eligible Spouse who gives us an Enrollment Form and pays the required premium for his or her coverage becomes an Insured Person on the later of : a) the Policy Effective Date; or b) the first day of the month on or next following the date we receive request; subject to the Deferred Effective Date provision. Deferred Effective Date: If an Eligible Member or Employee or Eligible Spouse is to become: a) covered under the Policy; or b) covered for increased or extended benefits under the Policy; and is not Actively-at-Work on that date, he or she will not be so covered until the first day of the month on or next following the date he or she is Actively-at-Work for 3 consecutive months.
Actively at Work means the Insured Person is performing all the regular duties of an occupation for wage or profit on a full time basis (at least 20 hours per week).
Total Disability means a disability that prevents you from performing one or more of the duties of your usual occupation.
Injury means bodily injury that results directly and independently of all other causes from an accident.
Hospital does not include a nursing or convalescent home, skilled nursing facility, a place for drug addicts or alcoholics, or a place for rest, custodial care, or care of the aged. Disability Income Benefit Offsets: No coordination with other disability income plans (including any coordination with Worker's Compensation). Exclusions:
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EARNINGS GUARD
What
is Earnings Guard Coverage?
Rates &/or benefits may be changed on a class basis Billing Mode Options: Monthly, Quarterly, Semi-Annual or Annual Basic Monthly Pay or Pre-disability Earnings: Basic Monthly Pay means the 12 month average of your regular monthly rate of pay, not including commissions, bonuses, overtime pay or any other fringe benefit or extra compensation, with such 12 month period ending on the last day of Active employment prior to becoming Disabled. Injury: Injury means bodily injury that results directly and independently of all other causes from an accident within 180 days of the accident. Totally Disabled: Total Disability means a disability that prevents you from performing one or more of the duties of our usual occupation. Benefit Limits: Each insured may be covered for a monthly benefit amount selected - $2,000 or $3,000 Benefit Period: Will pay up to two years on claim. Waiting Period: From start of total disability until benefits begin can be 60 or 90 days - you choose. Policy Age Limit: Age 70 Effective Date: Each Eligible Member or Employee or Employee or Eligible Spouse who gives us an Enrollment Form and pays the required premium for his or her coverage becomes an Insured Person on the later of : a) the Policy Effective Date; or b) the first day of the month on or next following the date we receive request; subject to the Deferred Effective Date provision. Deferred Effective Date: If an Eligible Member or Employee or Eligible Spouse is to become: a) covered under the Policy; or b) covered for increased or extended benefits under the Policy; and is not Actively-at-Work on that date, he or she will not be so covered until the first day of the month on or next following the date he or she is Actively-at-Work for 3 consecutive months. This is Limited to Accident Only 30-Day Right to Review
Apply now for disability coverage or Print and complete application & fax to 605-334-0556 - PDF of Application This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGP-5605 as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by The Hartford 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.
Underwritten by: The Hartford and Accident Insurance Company Simsbury, CT 06089 SRP-1311A(HLA)(5605) The HartfordŽ is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company The Hartford and Accident Insurance Company |
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Hagan Benefits, Inc. | 1741 S. Cleveland Ave. Suite 200 PO Box 5090 | Sioux Falls, SD 57117 EMAIL: INFO@HAGANGROUP.COM |
