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"To Age 65" Long Term Disability Income Insurance Plan

Be ready for the unexpected. Don't risk not having Long Term Disability Insurance when you need it.

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"To Age 65" Long Term Disability Income Insurance Plan

How long would the balance in your checking account last if a serious illness or injury kept you from working … for months at a time? How quickly would your hard-earned savings disappear if your family had to tap into it for monthly expenses like the mortgage, car payments, groceries and electricity? AMTA’s “To Age 65” Long-Term Disability Income Insurance Plan may be a practical solution to help protect your income … your occupation … your financial future.

"To Age 65" Long Term Disability Income Insurance Tabbed Product Details

Overview

Consider the Importance of Disability Coverage

Consider this:

You're more likely to be disabled than to die prematurely.1

About every 15 seconds, 153 workers suffer a work related injury resulting in extended absence from work.2

Over 8.8 million Americans were on Disability in 2016.3

In the United States, one out of every five adults has a disability.4

Sources:

1National Safety Council, Injury Facts 2016

2International Labour Organization. (2015). Safety and health at work. Accessed October 24, 2017 from www.ilo.org/global/topics/safety-and-health-at-work/lang--en/index.htm

3https://www.ssa.gov/oact/STATS/dibStat.html Social Security Fact Sheet. 2016.

4https://www.cdc.gov/ncbddd/disabilityandhealth/infographic-disability-impacts-all.html Last updated: July 18, 2017

Not available in all states.    

AGP-5667 Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.

A Split-Second Accident Could Change Your Career Forever

Imagine you're driving home from a massage appointment one evening when an SUV runs a red light and hits the driver's side of your car. The result may very well be severe back injuries...leaving you disabled and unable to work for months. Just think of the impact on your career - and your income.

But as a member of the AMTA, you can plan ahead for all-too-real situations like these. AMTA’s “To Age 65” Long-Term Disability Income Insurance Plan can help you protect your income in case an accident or illness keeps you from working as a massage therapist.

Monthly Benefit Amounts Up to $6,000 Available

One of the top concerns for many Massage Therapists is finding a disability plan that delivers benefits high enough to adequately cover their income. That's why AMTA made sure this Group Disability Income Insurance Plan featured generous coverage with up to $6,000.00 in monthly benefits.

Why Choose the To Age 65 Plan?

The To Age 65 Plan allows AMTA members to receive higher monthly benefits (up to $6,000) than our most popular 5 Year Long Term Disability Plan. Additionally, the To Age 65 Plan pays benefits up to age 65 and allows older AMTA members up to age 65 to apply for coverage. Alternatively, the 5 Year Plan pays benefits for 5 Years and offers a cheaper alternative for AMTA members who are looking for an easy way to obtain Long Term Disability coverage through Simplified Issue Medical Underwriting. AMTA wanted to ensure that our members had the option to choose the plan that best fits their needs.

Benefits

Consider the Importance of Disability Coverage

Consider this:

You're more likely to be disabled than to die prematurely.1

About every 15 seconds, 153 workers suffer a work related injury resulting in extended absence from work.2

Over 8.8 million Americans were on Disability in 2016.3

In the United States, one out of every five adults has a disability.4

Sources:

1National Safety Council, Injury Facts 2016

2International Labour Organization. (2015). Safety and health at work. Accessed October 24, 2017 from www.ilo.org/global/topics/safety-and-health-at-work/lang--en/index.htm 

3https://www.ssa.gov/oact/STATS/dibStat.html Social Security Fact Sheet. 2016.

4https://www.cdc.gov/ncbddd/disabilityandhealth/infographic-disability-impacts-all.html Last updated: July 18, 2017

Not available in all states.

AGP-5667 Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.

Pays Benefits for all Covered Total Disabilities

This plan will pay you the monthly benefit you select, with a minimum of $500, up to a maximum of $6,000 or 60% of your Basic Monthly Pay if you become Totally Disabled due to a covered Injury or Sickness. If you are Disabled prior to age 63, the Plan will pay up to age 65 for Disability due to a covered Injury or Sickness. For any Disability after age 63, the Maximum Payment Period is 2 Years.

You can Apply Today by conveniently downloading an application and submitting to the address listed on the application. Send no money now. Application is subject to the approval of the underwriting company.

Return to Work Part-time and Collect Benefits

You may be eligible to collect a Partial Disability Benefit—50% of your monthly AMTA benefit—if you return to work part-time while recovering from a Total Disability. You may collect Partial Disability Benefits for up to six months.

Get Help with the Rehabilitative Employment Benefit

This feature helps you return to the workforce. If necessary and appropriate, the Plan provides vocational testing and training, workplace modification, prosthesis and job placement. Pays in addition to your monthly benefit—up to 12 months and may not exceed 100% of your Basic Monthly Pay.

30-day FREE Look

When you receive your Certificate of Insurance, please read it carefully. If you’re not completely satisfied, simply return your Certificate, within 30 days. Any premium you may have paid will be promptly refunded minus any claims paid. No questions asked.

 

Rates

Consider the Importance of Disability Coverage

Consider this:

You're more likely to be disabled than to die prematurely.1

About every 15 seconds, 153 workers suffer a work related injury resulting in extended absence from work.2

Over 8.8 million Americans were on Disability in 2016.3

In the United States, one out of every five adults has a disability.4

Sources:

1National Safety Council, Injury Facts 2016

2International Labour Organization. (2015). Safety and health at work. Accessed October 24, 2017 from www.ilo.org/global/topics/safety-and-health-at-work/lang--en/index.htm

3https://www.ssa.gov/oact/STATS/dibStat.html Social Security Fact Sheet. 2016.

4https://www.cdc.gov/ncbddd/disabilityandhealth/infographic-disability-impacts-all.html Last updated: July 18, 2017

Not available in all states.

AGP-5667 Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.

AMTA "To Age 65" Long Term Disability Insurance Semi-Annual Premiums Per $100 of Monthly Benefit

Insured Person's Age

30-Day Waiting Period

60-Day Waiting Period

90-Day Waiting Period

180-Day Waiting Period

Under Age 30

$7.80

$5.70

$3.60

$2.40

30-34

$10.50

$7.50

$5.10

$3.30

35-39

$14.10

$10.20

$6.90

$4.80

40-44

$21.90

$15.90

$10.80

$8.10

45-49

$33.90

$24.60

$16.80

$13.50

50-54

$47.70

$34.50

$24.00

$19.20

55-59

$62.10

$45.00

$31.20

$24.90

60-64

$63.00

$46.20

$31.80

$26.40

65-69*

$65.40

$46.80

$32.40

$29.70

*Premiums for Ages 65 and over are Renewal Premiums only.

Rates are based on the attained age of the Insured person and increase as you enter each new age category.  Rates and/or benefits may be changed on a class basis.  Semi-annual premiums are shown, for your convenience you will be billed on a quarterly basis.

FAQs

Consider the Importance of Disability Coverage

Consider this:

You're more likely to be disabled than to die prematurely.1

About every 15 seconds, 153 workers suffer a work related injury resulting in extended absence from work.2

Over 8.8 million Americans were on Disability in 2016.3

In the United States, one out of every five adults has a disability.4

Sources:

1National Safety Council, Injury Facts 2016

2International Labour Organization. (2015). Safety and health at work. Accessed October 24, 2017 from www.ilo.org/global/topics/safety-and-health-at-work/lang--en/index.htm

3https://www.ssa.gov/oact/STATS/dibStat.html Social Security Fact Sheet. 2016.

4https://www.cdc.gov/ncbddd/disabilityandhealth/infographic-disability-impacts-all.html Last updated: July 18, 2017

Not available in all states.

AGP-5667 Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.

What's the difference between the 5 Year Plan and the "To Age 65" Plan?

The "To Age 65" Plan allows AMTA members to apply for higher monthly benefits (up to $6,000) and to receive these benefits up to age 65 for a covered disability. Alternatively, the 5 Year Plan pays benefits up to 5 Years for a covered disability. AMTA members under the age of 65 are able to apply for the "To Age 65" plan while the 5 Year Plan is only available to members under the age of 60.

The longer benefit duration and the higher benefits available for the "To Age 65" Plan do come with an increased cost in comparison to the 5 Year Plan. Additionally, the underwriting requirements to apply are also stricter. We wanted to ensure that AMTA members had options available for disability insurance so they could choose the plan that best suits their individual needs.

Why is disability coverage important?

Disability protection can be as important as life insurance. As a matter of fact, you're more likely to be disabled than to die prematurely1. And the longer you're not earning a paycheck, the greater the financial impact will be on your family.

1National Safety Council, Injury Facts 2016

If I become disabled, when would benefits begin under the AMTA "To Age 65" plan?

The AMTA "To Age 65" Long Term Disability plan starts paying benefits based on the waiting period selected. You can choose between the 30 Day, the 60 Day, the 90 Day, or the 180 Day waiting period based on your individual needs.

How long will I be paid under the AMTA "To Age 65" plan?

If you are Disabled prior to age 63, the Plan will pay up to age 65 for a Disability due to a covered Injury or Sickness. For any Disability after age 63, the Maximum Payment Period is 2 Years.

Can I keep AMTA "To Age 65" Long Term Disability Coverage if I change my job?

Yes. Unlike employer-provided disability protection, you can "take" your AMTA coverage with you if you switch jobs.

What if I change my mind after I apply?

After you're approved for coverage, you'll receive a Certificate of Insurance. Take up to 30 days to decide if this protection is right for you. If you change your mind, your premiums will be promptly refunded, minus any claims paid, and your coverage invalidated.

Terms

Consider the Importance of Disability Coverage

Consider this:

You're more likely to be disabled than to die prematurely.1

About every 15 seconds, 153 workers suffer a work related injury resulting in extended absence from work.2

Over 8.8 million Americans were on Disability in 2016.3

In the United States, one out of every five adults has a disability.4

Sources:

1National Safety Council, Injury Facts 2016

2International Labour Organization. (2015). Safety and health at work. Accessed October 24, 2017 from www.ilo.org/global/topics/safety-and-health-at-work/lang--en/index.htm

3https://www.ssa.gov/oact/STATS/dibStat.html Social Security Fact Sheet. 2016.

4https://www.cdc.gov/ncbddd/disabilityandhealth/infographic-disability-impacts-all.html Last updated: July 18, 2017

Not available in all states.

AGP-5667 Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.

Effective Date

A person must be Actively-at-Work on the date insurance is to take effect. If not, such insurance will take effect on the day the person resumes such work. Coverage will begin on the 1st of the month, following the receipt of your approved application and payment.

Total Disability means disability which: during the Waiting Period and first 24 months when Total Disability benefits are payable, prevents you from performing the substantial and material duties of your usual occupation; and after that, wholly and continuously prevents you from engaging in any and every occupation or employment for which you are reasonably suited by training, education or experience.

Waiting Period means the number of consecutive days at the beginning of a period of Total Disability which must elapse before benefit are payable.

Actively-at-Work means You performing all the regular duties of an occupation for wage or profit on a Full-time basis (at least 20 hours a week).

Basic Monthly Pay means: a) if self-employed, your net income after the deduction of business expenses for the calendar year immediately preceding the Total Disability, or b) if not self-employed, your average monthly salary or rate of pay (not counting commissions, bonuses, overtime pay or any other fringe benefit or extra compensation) for the 12 months immediately preceding the Total Disability.

Exclusions and Limitations

The plan does not cover: intentionally self-inflicted Injury, suicide or attempted suicide, while sane or insane; pregnancy or childbirth, except Complications of Pregnancy; any Sickness contracted or Injury sustained as the result of war or act of war, whether declared or not; any Injury sustained while riding on, boarding or alighting from, any aircraft: (a) as a pilot, crew member or student pilot; (b) operated by an military authority (land, sea or air), unless it is a Military Transport Aircraft used for transport and operated by the United States Military Air Mobility Command (AMC) or an AMC type service of a national government recognized by the United States; or (c) being used for tests, experimental purposes, stunt flying, racing or endurance tests; any Sickness contracted or Injury sustained as the result of commission or attempted commission of a felony by you; Sickness contracted or Injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority. We will refund the pro rata portion of any premium paid for you while you are in the Armed Forces on full-time active duty for a period of two months or more. Written notice must be given to us within 12 months of the date you enter the Armed Forces.

Pre-Existing Condition Limitation: Any loss or period of Total Disability which: begins during the first 12 months of your insurance; and is a result of a Pre-Existing Condition; will not be covered.

Pre-Existing Condition means any Injury or Sickness, diagnosed or undiagnosed, for which medical care is received by you: within the 12-month period prior to your effective date of insurance, or prior to any increase in coverage.

Termination: Your coverage terminates on the earliest to occur of:

  • the date the policy is cancelled; or
  • the premium due date on or next following the date you:
    • cease to be an active member of the policyholder; or
    • attain the policy age limit shown in the schedule; or
  • the date you cease to be Actively-at-Work, except due to disability covered by this policy; or
  • the premium due date the required premium contribution is not made, subject to the grace period; or
  • with respect to a Spouse or Domestic Partner, the premium due date on or next following the date that he or she no longer qualifies as an eligible Spouse or Domestic Partner. Termination will be without prejudice to any claim which began prior to the effective date of termination.

Successive Periods of Disability Limitation: Periods of Disability:

  • due to the same or related medical causes; and
  • separated by less than 6 months during which You are Actively-at-Work;
  • will be considered one Period of Disability. Periods of Disability separated by at least 6 months during which You are Actively-at-Work will be considered separate Periods of Disability.

Concurrent Disabilities: Benefits during any Period of Disability as the result of: a) more than one Sickness; or b) more than one Injury; or c) both Sickness and Injury; will be considered the same as if the Disability resulted from only one cause.

Offset Provision: The benefit amount payable as a result of your Total Disability will be the lesser of: a) the Monthly Benefit Amount; or b) 65% of your Basic Monthly Pay minus: any Other Income Benefits, including those for which you could collect but did not apply; and all other income from any employer or for any other work.

This example is for purposes of illustrating the effect of the benefit reductions and is not intended to reflect the situation of a particular claimant under the policy:

Insured's monthly Basic Monthly Pay $3,000
Disability benefits percentage x 75%
Unreduced maximum benefit $2,250
Less any Social Security Disability benefit per month - $ 1,150
Less any State Disability benefit per month - $ 500
Total amount of Disability benefit per month $ 650

 

NY: This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life 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.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford.1

Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no expense to you.

A.G.I.A, Inc., is the Plan Administrator who administers the insurance plan on behalf of Hartford Life and Accident Insurance Company. A.G.I.A, Inc., is also the Insurance Broker who is compensated for the placement of insurance.

1The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

Important Notice

Notice of insurance information practices

To properly underwrite and administer your application for insurance coverage, we must collect certain information concerning your insurability. You are our most important source of information, but we may also contact other sources such as medical professionals and institutions, employers and other insurance companies. While all information regarding your insurability will be treated as confidential, in some situations, and in compliance with applicable law, we may disclose necessary items of information to third parties without your specific authorization.

Investigate consumer reports not applicable to residents of New York

As part of our procedure for processing your application, an investigative consumer report may be prepared by an outside insurance reporting organization. Personal information may be collected from others regarding your general reputation and lifestyle. If an interview is conducted with someone other than you, we will inform you of your right to be interviewed in connection with the preparation of the investigative consumer report. You have the right to send a written request within a reasonable period of time to receive additional detailed information about the nature and scope of this investigation.

Personal History Interview

To provide you, our client, with the best possible service, we may also conduct what we call a personal history interview. This is a phone call placed from our underwriting office. Its purpose is to make sure that the application information is complete. Our interviewers are trained to conduct their calls in a friendly, professional manner. The nature of the information discussed is always treated as personal and confidential and will only be used to assess your eligibility for insurance.

Medical Information Bureu (MIB) Pre-Notice

Information regarding your insurability will be treated as confidential. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may, however, make a brief report thereon to the MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its members.

If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company, with the information about you in its file. Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at (866) 692-6901 (TTY (866) 346-3642). If you question the accuracy of the information in MIB's file, you may contact MIB and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of MIB's information office is 50 Braintree Hill Park, Suite 400, Braintree, Massachusetts 02184-8734. Hartford Life Insurance Company, Hartford Life and Accident Insurance Company, or their reinsurers, may also release information from their files to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.

Access, Correction, and Disclosure

You can obtain access to personal information about you contained in our policy files by sending us a written request. You may also request any necessary corrections, amendments or deletion of any information in our files which you believe to be inaccurate or irrelevant. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may release information in their files to other life insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Also, please be advised that personal and confidential information collected by us may, in certain circumstances, be disclosed to third parties without authorization. A notice providing further description of the circumstances under which information about you may be disclosed and the types of persons and organizations to whom it may be disclosed will be sent to you upon your written request. If you desire further information or access to your personal information, please send your written request to: Hartford Life Insurance Company or Hartford Life and Accident Insurance Company, 200 Hopmeadow St., Simsbury, CT 06089.

PA-9369
Sponsored by:
AMTA Optional Insurance Program

AMTA logo

Underwritten by:
Hartford Life and Accident Insurance Company
One Hartford Plaza, Hartford, CT 06155

Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.

The Hartford logo

A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. John Wigle California Insurance license number is 0482924. John Wigle Arkansas Insurance license number is 46424.

AMTA Group Insurance Program Administered by:
A.G.I.A., Inc.
PO BOX 26860, Phoenix, AZ 85068
Questions? Call toll-free 1-866-803-6773