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Senior 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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Senior 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 Senior Disability Income Insurance Plan may be a practical solution to help protect your income … your occupation … your financial future.

Senior Disability Income Insurance Tabbed Product Details


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 Senior 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 Senior Plan?

The Senior 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 Senior Plan allows older AMTA members up to age 65 to apply for coverage and coverage can continue to age 70. Alternatively, the 5 Year Plan pays benefits for up to 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. To view details in the 5 year plan, visit the Disability Income Insurance Plan page. AMTA wanted to ensure that our members had the option to choose the plan that best fits their needs.


Download printable application for California residents



Pays Benefits for all Covered Total Disabilities

This plan will pay you the monthly benefit you select, with a minimum of $400, up to a maximum of $6,000 or 60% of your Pre-disability earnings if you become Totally Disabled due to a covered Injury or Sickness. If you are Disabled prior to age 68, the Plan will pay up to age 70 for Disability due to a covered Injury or Sickness. For any Disability on or after age 68, 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.

Benefits Paid While Working and Disabled

You're eligible to receive a monthly benefit if you are working but have a disability that prevents you from performing some, but not all of the essential duties of your occupation.

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 Pre-disability earnings.

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.


Download printable application for California residents



AMTA Senior Disability Income Insurance Semi-Annual Premiums Per $100 of Monthly Benefit

Insured Person's Age

30-Day Elimination Period

60-Day Elimination Period

90-Day Elimination Period

180-Day Elimination Period

Under Age 30














































*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. If spouse is applying, the Elimination Period must equal the Elimination Period that the member has chosen.



Download printable application for California residents



What's the difference between the 5 Year Plan and the Senior Plan?

The Senior Plan allows AMTA members to apply for higher monthly benefits (up to $6,000) and to receive these benefits up to age 70 (up to 2 years if disabled on or after age 68) 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 Senior 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 Senior 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, without a paycheck coming in, seven in ten working Americans couldn't make it before financial difficulties set in.1 And the longer you're not earning a paycheck, the greater the financial impact will be on your family.

If I become disabled, when would benefits begin under the AMTA Senior Plan?

The AMTA Senior Disability plan starts paying benefits based on the Elimination period selected. You can choose between the 30 Day, the 60 Day, the 90 Day, or the 180 Day Elimination period based on your individual needs.

How long will I be paid under the AMTA Senior plan?

If you are Disabled prior to age 68, the Plan will pay up to age 70 for a Disability due to a covered Injury or Sickness. For any Disability on or after age 68, the Maximum Payment Period is 2 Years.

Can I keep AMTA Senior 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.


Download printable application for California residents


Terms Tab


Effective Date

Coverage will begin on the 1st of the month, following the receipt of your approved application and payment. You are eligible for coverage as long as you are under age 65, an AMTA member, and a resident of the United States. Spouses may apply for coverage as long as they are the spouse of an eligible member, Actively at Work, under age 65, and not legally separated or divorced from the eligible member. If both spouses are members they cannot be covered as a member and dependent.

Deferred Effective Date

If on the date You or your Spouse are to become covered: 1) under The Policy; 2) for increased benefits; or 3) for a new benefit and You or Your spouse are not Actively at Work on that date, coverage will not begin until the date You or he or she are Actively at Work for 1 month(s).

Total Disability means disability which: during the Elimination Period and first 24 months when Total Disability benefits are payable, wholly and continuously prevents you or Your Spouse from performing the Essential Duties of Your or Your Spouse's occupations; and after that, wholly and continuously prevents You or Your Spouse from engaging in any Occupation

Elimination Period means the number of consecutive days at the beginning of any one period of Total Disability which must elapse before benefits are payable.

Actively-at-Work means You or Your Spouse are performing all the Essential Duties of Your or Your Spouse's Occupation for wage or profit on a full-time basis (at least 20 hours per week).

Pre-disability Earnings means: if You or Your Spouse are self-employed, Your or Your Spouse's average net monthly income (gross revenues less business expenses) from:

  • 1) the personal practice of Your or Your Spouse's profession; or
  • 2) personal conduct of Your or Your Spouse 's main business.

This average is based on net income for: 1) 12 months; or 2) 24 months; whichever produces the higher average, before the determination is made. If You or Your Spouse have been self-employed for less than 12 months, it is based on the whole time You or Your Spouse were self-employed. If Your or your Spouse's practice is incorporated, net income includes the cost to Your or Your Spouse's company of fringe benefits and Your Your Spouse's share of total surplus. Income does not include investment returns, rents, royalties, and the like income which is not directly produced from You or Your Spouse's current work.

Pre-disability Earnings means: if You or Your Spouse are not self-employed, Your or Your Spouse's regular monthly rate of pay, not counting commissions, bonuses, tips and tokens, overtime pay or any other fringe benefits or extra compensation, in effect on the last day You or Your Spouse were Actively-at-Work before You became Disabled.

Exclusions and Limitations

The Policy does not cover any Disability or loss caused by:

  1. intentionally self-inflicted Injury, suicide or attempted suicide, while sane or insane;
  2. pregnancy or childbirth, except Complications of Pregnancy;
  3. war or act of war, whether declared or not;
  4. 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;
  5. Your commission or attempted commission of a felony;
  6. 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:

Conditions Prior to Effective Date: We will not pay a Benefit for any loss or period of Total Disability which: begins during the first 24 months of your insurance; and is a result of a Pre-Existing Condition unless such Total Disability begins after You have been free of Medical Care for the condition for a 12 month period ending any time on or after Your effective date..

Pre-Existing Condition means any disability, 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 and your Spouse's coverage will end on the earliest 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
    • You or Your Spouse attain the policy age limit shown in the schedule;
  • the date You or Your Spouse cease to be Actively-at-Work, except due to disability covered by The Policy; or
  • the premium due date any required premium contribution is not made, subject to the grace period; or
  • with respect to a Spouse or Domestic Partner's coverage, the premium due date he or she is legally separated or divorced from You.

However, if Your Spouse's coverage would terminate because of Your death, coverage will continue until the premium due date on or next following Your death unless continued in accordance with the Surviving Spouse Continuation provision.

Recurrent Disability: If You cease to be Totally Disabled and return to work for a total of 14 days or less during the Elimination Period, the Elimination Period will not be interrupted. Except for the 14 days or less that You work, You must be Totally Disabled by the same condition for the total Elimination Period.

Periods of Disability: 1) due to the same or related medical causes; and 2) 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.

Benefits during any Period of Disability as the result of: 1) more than one Sickness; or 2) more than one Injury; or 3) 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 Pre-disability Earnings 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. However, in no event will the Monthly Benefit Amount payable according to this Offset Provision be less than 10% of Your monthly benefit amount.

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 Pre-disability Earnings $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.*

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.

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

Important Notices

Notice of insurance information practices - Countrywide

Notice of insurance information practices - Massachusetts


Sponsored by:
AMTA Optional Insurance Program

AMTA logo

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

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. J. Christopher Burke California Insurance license number is 0F709407. J. Christopher Burke Arkansas Insurance license number is 8876308.

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


Download printable application for California residents


To Age 65 Senior Disability Income Insurance Sidebar Content EW tab

Consider the Importance of Disability Coverage

Consider this:

Without a paycheck coming in, seven in ten working Americans couldn't make it before financial difficulties set in.1

Over 8.3 million Americans were on Disability in 2019.2

In the United States, one in four adults has a disability.3

75% of employees would have trouble paying for basic living expenses after several months if they became disabled and were unable to work – one third of employees would have immediate trouble.4


1"What Do You Know About Disability Insurance" survey, Life Happens, 2018

2 Social Security Fact Sheet.The United States Social Security Administration, 2020,
Accessed 23 March 2020.

3 "Disability Impacts All of Us." Centers for Disease and Control and Prevention, Last reviewed: September 9, 2019,
. Accessed 25 March, 2020.

42“Disability Insurance Awareness Month – Only 20% of Consumers Own Disability Insurance Despite Almost Half Saying They Need It.”LIMRA, 28 May 2019, . Accessed 24 March, 2020.

Not available in all states.    

AGP-5874 Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.