WHO MAY APPLY?
All employees or members, actively employed in the full-time duties (20 hours a week) of their occupation, may apply!

WHAT IS AN ELIMINATION PERIOD?
This is the period of time (calendar days) you must wait before your benefits kick in.  The day your doctor takes you off of work is day 1. 

HOW MUCH CAN I APPLY FOR?
Based on the salary chart in the brochure, you may apply for that amount or any amount below it.

HOW ARE BENEFITS PAID?
Benefits are paid directly to you. All benefits you receive are yours to use as you please. Pay hospital, doctor or other miscellaneous medical expenses.  Pay at-home expenses or continuing monthly bills.  The choice is yours!

ARE MY BENEFITS TAXABLE?
No tax is payable on your monthly benefits as long as you, not your employer, pay the entire premium.  If you use the premium under a pre-taxed section 125 plan, your benefits are taxable. Please consult your tax advisor.

DO I STILL PAY PREMIUMS WHEN I'M DISABLED?
No! After 6 months of total disability (and after your elimination period), your premium is waived for as long as you're disabled and benefits are payable.

WHAT ABOUT RECURRING CONDITIONS?
Maximum benefits are available, subject to a new elimination period, for the same recurring disability after 6 consecutive months of normal, active work.

HOW LONG CAN I KEEP MY COVERAGE?
Renew your coverage until retirement - provided you pay your premiums, remain a member, are gainfully employed and the group policy remains in force. This policy is renewable at the option of the company.

WHAT ISN'T COVERED?
Benefits are not payable for any injury, sickness or condition caused by or due to: war or acts of war declared or undeclared; military service of any country or international organization; pregnancy or childbirth (unless applying for maternity coverage); abortion, except to save the life of the mother; illegal blood alcohol content; being under the influence of any narcotic, barbiturate or hallucinatory drug, unless administered under advice of a physician and taken in the prescribed dosage; suicide or any attempt at suicide while sane or insane; travel or flight in any kind of aircraft while participating in aviation training, or as a pilot, officer or other member of the crew; injury or sickness arising out of and in the course of any occupation for wage or profit.