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Disability Insurance

Help Protect Your Paycheck

Disability Income Champion — Diamond Plans

Provides monthly income replacement when an employee is unable to work because of a qualifying non-work-related illness or injury.

Monthly benefit

60%

Of covered income, up to $5,000 per month

Elimination period

14 days

Waived for qualifying hospitalization, outpatient surgery, or organ donation

Benefit periods

3 or 6 months

Diamond 3-month or 6-month plan

Benefits Breakdown

Total disability from covered sickness60% of covered income, up to $5,000/month
Total disability from covered injury60% of covered income, up to $5,000/month
Minimum monthly disability benefit$300
Partial disabilityUp to 50% of maximum disability benefit
Covered mental or nervous disorders50% benefit level
Covered substance abuse disabilities50% benefit level
Covered disability due to organ donationApplicable disability benefit; elimination period waived
Qualifying hospitalization due to disabilityApplicable disability benefit; elimination period waived
Qualifying outpatient surgery due to covered sickness or injuryApplicable disability benefit; elimination period waived

Elimination period

Standard elimination period: 14 days for covered injuries and sicknesses, unless a qualifying waiver applies.

Example

An employee earning $4,000 per month could receive a disability benefit of $2,400 per month before any applicable offsets or adjustments.

Other income

Disability benefits may be reduced by other income sources, as described in the policy.

Important information

Benefit amounts shown are based on the proposed plan designs. Actual payments depend on the selected coverage, covered event, policy definitions, applicable limits, exclusions, and other policy conditions. Disability benefits may be reduced by other sources of income.

Questions about this coverage? Ryan can walk you through it.

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