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DISABILITY INSURANCE
Q:
Is this coverage occupation specific?
A: Yes
Q: Do I need to be an ACEP member to enroll?
A: Yes, you must be and remain an ACEP member to continue
coverage.
Q: What premium modes can I select from?
A: We offer Direct monthly ACH, Monthly, Quarterly,
Semi-Annual and Annual.
Q: Are the premiums level?
A: The premiums are level for five years and will change at
the 0 or 5 birthdays (example: age 30, 35, 40, 45).
Q: When applying for coverage will I need to get a physical?
A: Blood and urine tests may requested along with an
attending physician statement (APS) and medical records.
Q: If I go on disability, when does the waiver of
premium begin?
A: The waiver of premium begins the first day of the month
following the start of the payment period.
Q: What is involved in submitting a claim?
A: Please contact Hagan Benefits and a claim form will be
mailed to you immediately. Once the claim form is completed,
return to Hagan Benefits and a claim representative from Hartford
Insurance will be assigned.
Q: What's covered?
A: This plan provides monthly Disability Income benefits,
including a Rehabilitative Employment benefit, Partial and
Residual Disability benefits, and an HIV benefit, that are
guaranteed renewable! It covers most disability due to accidental
injuries, sickness or disease. See your Certificate of Insurance
for a full description of these benefits.
Q: Who's eligible?
A: As a member of the American College of Emergency
Physicians, you're eligible to apply for coverage. Applicants must
be under age 65, Actively-at-Work at the time of application, and
residing within the United States. To qualify for benefits, a
period of total disability must begin while you are covered under
this policy, and you are under the regular care of a physician for
that condition. The physician cannot be a family member.
Q: When will my coverage become effective?
A: Your coverage will become effective on the first day of
the month immediately following the date your application is
approved by The Hartford, provided you are actively at work and
your initial premium payment has been received. If you are not
actively at work on that date, your effective date will be
postponed until you are actively at work for 90 consecutive days.
Q: Can my coverage be canceled?
A: No - Your coverage can only be canceled if:
a) you are no longer a member of American college of Emergency
Physicians;
b) you do not pay your premiums;
c) you cease to be actively at work (except by reason of
disability covered by this plan);
d) you attain the policy age limit; or
e) the American College of Emergency Physicians withdraws
sponsorship of the plan. If American College of Emergency
Physicians withdraws its sponsorship and does not sponsor a
similar plan, you can be converted to one of The Hartford's other
disability plans.
Q: What are the benefit and waiting periods?
A: You can receive disability benefits for up to 5 years or
to age 65. The choice is yours. You may apply for monthly benefits
in $100 increments from $500 up to $10,000 per month. See the
Monthly Benefit Worksheet to calculate the amount of disability
income insurance you're eligible to purchase.
MONTHLY BENEFITS
You may purchase the following amounts:
| AGE |
MONTHLY BENEFIT
AMT.* |
| Under Age 65 |
Up to $10,000 |
*Please note: Your benefit
amount is limited to 66 2/3% of your monthly earned income.
Benefits will be reduced by the amount of other income benefits
you receive and by 50% of income derived from approved
rehabilitation programs. Coverage ends at age 65. However, the
maximum payment period may be reduced due to mental, emotional
disorders, alcoholism or drug addiction, as specified in the
Accident and Sickness Total Disability Benefit. See your
Certificate of Insurance for details.
WAITING PERIODS:
Benefits begin after you have been totally disabled for 30,90 or
180 days, depending on the plan you select. The Waiting Period is
the number of consecutive days at the beginning of a period of
Total Disability which must elapse before benefits are payable.
| Plan I - To Age 65 Plan: |
Payment Period |
Waiting Period |
| For total disability
beginning: |
| a) Before age 63 |
To Age 65 |
90 or 180 days
|
| b) Age 63 or over, but under 65: |
2 Years |
90 or 180 days
|
| Plan II - 5 Year Plan: |
Payment Period |
Waiting Period |
| For total disability
beginning: |
| a) Before Age 63: |
5 Years |
30 or 90 days |
| b) Age 63 or over, but under 65: |
2 Years |
30 or 90 days |
Q:
Is there any waiver of premium provision?
A: Yes - Future premiums will be waived beginning the first
day of the month following the start of disability payments and
for as long as disability benefits are payable.
Q: What is a total disability?
A: A disability that results in a loss of earnings of 80%
or more is considered to be a Total Disability. You'll continue to
qualify for benefits up to Age 65 (Plan I), or for up to 5 years
(Plan II), if you cannot: perform the substantial and material
duties of your own regular occupation; are under the care of a
licensed physician other than yourself; and, are not gainfully
employed in any occupation for which you are or become reasonably
suited in terms of education, training or experience.
Q: What if you return to work after a disability but
suffer a relapse?
A: Because disabilities don't always start and stop in
easily defined time frames, we've developed a plan that is
flexible enough to accommodate various disability durations and
scenarios. If you return to work for fewer than 14 days during the
waiting period and then relapse, you can qualify for benefits by
satisfying the remainder of the waiting period. This provision
relieves you of starting the entire waiting period again.
In addition, periods of disability due to the same or related
medical causes and separated by fewer than six months while you
are actively at work, are considered a single period of
disability. This means you won't have to satisfy a new waiting
period before qualifying for benefits should you relapse upon
returning to active employment after receiving benefits for a
disability. Actively at work is defined as performing all the
regular duties of an occupation for wage or profit on a full-time
basis (at least 30 hours per week).
Q: Does the plan pay for partial disability?
A: Yes, your American College of Emergency Physicians plan
provides benefits for partial disabilities following the Waiting
Period and a period during which Total Disability benefits were
payable. Partial disability means you are gainfully employed in
your regular occupation or specialty on a partial and/or part-time
basis, but continuously unable to perform your regular duties and
you require the regular care of a physician.
Q: What's not covered under this plan?
A: Benefits are not paid for losses due to war or acts of
war, whether declared or not; intentionally self-inflicted injury,
suicide or attempted suicide, while sane or insane; pregnancy or
childbirth, except Complications from Pregnancy; injury sustained
while committing or attempting to commit a felony; losses due to
sickness contracted or injury sustained while on full-time active
duty as a member of the armed forces of any country or
international authority; or injury or sickness arising out of or
in the course of employment which is compensable under any
Workers' Compensation or Occupational Disease Act or Law.
If a Pre-Existing Condition was excluded or limited by name or
specific description on a Health Waiver and Application
Modification form attached to your Certificate of Insurance, then
the Pre-Existing Condition will not be covered under this policy
at any time, unless you complete an Application Requesting Removal
of Waiver, and The Hartford agrees, in writing, to remove the
limitation on that condition.
The HartfordŽ is The Hartford Financial Services Group, Inc., and its
subsidiaries, including issuing company The Hartford and Accident
Insurance Company |
