Long-term disability insurance goes to work when you can't
大多数人没有意识到在他们生命中的某个时刻永久或暂时残疾的高风险. 如果你因为生病或受伤而完全残疾，不能工作, do you have the resources today to cover your expenses for weeks, 个月, 甚至更久?
How does long-term disability insurance work?
- 当你因为完全残疾而无法工作时，它每月直接支付给你收入.
- 您可以选择在开始领取福利之前必须残疾的时间长度(消除期)和领取福利的时间长度.
- Options include a five-year benefit period or a "to age 67" benefit option.
- 根据你的收入和职业，每月的最高福利金额从500美元到20,000美元不等.
- You can customize your coverage with different riders.
你知道吗??
- 截至2021年10月，平均每月社会保障残疾收入(SSDI)福利为1美元,每月441英镑(合17美元),每年292).1
- The 2021 Poverty Guideline for a family of two is $17,240.2
- According to the Bureau of Labor Statistics, in March 2020, 35 percent of the U.S. workforce had long-term disability coverage available to them.3
By owning a long-term disability insurance policy, the monthly benefit can help:
- 支付账单
- Pay your rent or mortgage loan payments
- 买食品杂货
- 支付汽车贷款
Do you have the resources today?
用自己的积蓄
储蓄账户可以作为一个临时的安全网，但大多数人的储蓄还不够. A disability policy can provide a longer-term solution. 40%的家庭没有足够的存款来支付三个月的收入.4
Collecting social security
因为残疾的定义非常严格(残疾必须持续12个月或更长时间), 或者导致死亡), 从申请SSDI福利开始，一般需要3 - 5个月的时间才能得到初步决定.5
Consider long-term disability insurance
For additional information on long-term disability insurance or short-term disability insurance, schedule some time with a 国营农场® 代理 to talk about your disability insurance needs.
做出明智的选择
披露的信息
1 Social 安全 Monthly Statistical Snapshot, October 2021
2 ASPE - HHS Poverty Guidelines for 2021
3 Bureau of Labor Statistics
4 残疾的统计数据
5 社会保障行政-在你申请社会保障残疾福利之前你应该知道什么s
残疾 insurance products are not available in MA, NJ, and RI.
这些信息提供了这些保单所提供的pp王者电子官网范围的简要、一般描述. It is not a contract and certain exclusions and limitations apply. A complete statement of the coverage provided is found only in the policy itself. Policy coverages, exclusions, and limitations may vary in some states.
For exact terms and conditions see:
长期 残疾 policy series 97064, 97065 (policy form ICC17 97064IC1 and ICC17 97065IC1 in ID; policy form 97064MT1 (2021) and 97065MT1 (2021) in MT).
本节描述的情况和条件，付款将受到限制或拒绝，即使你有资格获得福利.
AK, AL, AR, AZ, CT, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV -
除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失的赔偿:
1. Normal pregnancy and childbirth; however, Complications of Pregnancy, as diagnosed by a Physician, are covered as a Sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, 防暴, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law w在这里 the loss occurs, or loss that results from Your use of narcotics or other controlled substances, unless administered on the advice of a Physician;
7. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;
8. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的;
9. Attempted suicide or intentionally self-inflicted Injury; or
10. 暂停、放弃或撤销您的职业执照或证书.
限制. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. 在本保单项下，因精神或神经障碍造成或促成的任何残疾期间的应付总金额不得超过累计寿命最长24个月. If You are a resident patient in a Hospital when this lifetime maximum is reached, 此限制不适用于您的持续禁闭，但该禁闭是治疗您的精神或神经障碍所必需的. 此限制不会延长保单附表所示的最高保障期.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a Pre-existing Condition, 除非该损失在pp王者电子官网生效日后两(2)年或更长时间发生或伤残.
3. 并发残疾. 如果连续的残疾是由一(1)个以上的伤害或疾病引起或持续的, it is a concurrent disability. 如果同时残疾是由一(1)次伤害或一(1)次疾病造成的，则同时残疾的福利将按此支付. 在任何情况下，您都不会被视为同时有超过一(1)个连续的伤残期.
CA –
除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失的赔偿:
1. Normal pregnancy and childbirth; however, Complications of Pregnancy, as diagnosed by a Physician, are covered as a Sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, 防暴, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law w在这里 the loss occurs, or loss that results from Your use of narcotics or other controlled substances, unless administered on the advice of a Physician;
7. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;
8. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的; or
9. Attempted suicide or intentionally self-inflicted Injury.
限制. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. 在本保单项下，因精神或神经障碍造成或促成的任何残疾期间的应付总金额不得超过累计寿命最长24个月. If You are a resident patient in a Hospital when this lifetime maximum is reached, 此限制不适用于您的持续禁闭，但该禁闭是治疗您的精神或神经障碍所必需的. 此限制不会延长保单附表所示的最高保障期.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a Pre-existing Condition, 除非该损失在pp王者电子官网生效日后两(2)年或更长时间发生或伤残.
3. 并发残疾. 如果连续的残疾是由一(1)个以上的伤害或疾病引起或持续的, it is a concurrent disability. 如果同时残疾是由一(1)次伤害或一(1)次疾病造成的，则同时残疾的福利将按此支付. 在任何情况下，您都不会被视为同时有超过一(1)个连续的伤残期.
FL –
除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失的赔偿:
1. Normal pregnancy and childbirth; however, Complications of Pregnancy, as diagnosed by a Physician, are covered as a Sickness;
2. War, declared or undeclared, or any act of war. We will not construe an act of terrorism to be an act of undeclared war;
3. Active duty in the armed forces, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, 防暴, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law w在这里 the loss occurs, or loss that results from Your use of narcotics or other controlled substances, unless administered on the advice of a Physician;
7. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;
8. Any period of legal incarceration in a penal or correctional institution;
9. Attempted suicide, while sane or insane, or intentionally self-inflicted Injury; or
10. 暂停、放弃或撤销您的职业执照或证书.
限制. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. 在本保单项下，因精神或神经障碍造成或促成的任何残疾期间的应付总金额不得超过累计寿命最长24个月. If You are a resident patient in a Hospital when this lifetime maximum is reached, 此限制不适用于您的持续禁闭，但这种禁闭是治疗您的精神或神经障碍所必需的. 此限制不会延长保单附表所示的最高保障期.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a Pre-existing Condition, 除非该损失在pp王者电子官网生效日后两(2)年或更长时间发生或伤残.
3. 并发残疾. 如果连续的残疾是由一(1)个以上的伤害或疾病引起或持续的, it is a concurrent disability. 如果同时残疾是由一(1)次伤害或一(1)次疾病造成的，则同时残疾的福利将按此支付. 在任何情况下，您都不会被视为同时有超过一(1)个连续的伤残期.
MT –
除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失的赔偿:
1. War, declared or undeclared, or any act of war;
2. Active duty in the armed forces, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
3. Your participation in the commission of a felony, 防暴, or insurrection for which You have been convicted in a court of law;
4. Your engagement in an illegal occupation;
5. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;
6. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的; or
7. 暂停、放弃或撤销您的职业执照或证书.
限制. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. 在本保单项下，因精神或神经障碍造成或促成的任何残疾期间的应付总金额不得超过累计寿命最长24个月. If You are a resident patient in a Hospital when this lifetime maximum is reached, 此限制不适用于您被持续限制的情况，前提是该限制, as determined by a Physician, is required for the evaluation, 诊断, 或治疗您的精神或神经障碍，如果省略可能会对您的病情产生不利影响. 此限制不会延长保单附表所示的最高保障期.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a Pre-existing Condition, 除非该等损失在pp王者电子官网生效日期后12个月或更长时间发生或残疾.
3. 并发残疾. 如果连续的残疾是由一(1)个以上的伤害或疾病引起或持续的, it is a concurrent disability. 如果同时残疾是由一(1)次伤害或一(1)次疾病造成的，则同时残疾的福利将按此支付. 在任何情况下，您都不会被视为同时有超过一(1)个连续的伤残期.
ND –
除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失的赔偿:
1. Normal pregnancy and childbirth; however, Complications of Pregnancy, as diagnosed by a Physician, are covered as a Sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law w在这里 the loss occurs, or loss that results from Your use of narcotics or other controlled substances, unless administered on the advice of a Physician;
7. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;
8. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的;
9. Attempted suicide or intentionally self-inflicted Injury; or
10. 暂停、放弃或撤销您的职业执照或证书.
限制. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. 在本保单项下，因精神或神经障碍造成或促成的任何残疾期间的应付总金额不得超过累计寿命最长24个月. If You are a resident patient in a Hospital when this lifetime maximum is reached, 此限制不适用于您的持续禁闭，但该禁闭是治疗您的精神或神经障碍所必需的. 此限制不会延长保单附表所示的最高保障期.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a Pre-existing Condition, 除非该损失在pp王者电子官网生效日后两(2)年或更长时间发生或伤残.
3. 并发残疾. 如果连续的残疾是由一(1)个以上的伤害或疾病引起或持续的, it is a concurrent disability. 如果同时残疾是由一(1)次伤害或一(1)次疾病造成的，则同时残疾的福利将按此支付. 在任何情况下，您都不会被视为同时有超过一(1)个连续的伤残期.
NY –
除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失的赔偿:
1. Normal pregnancy and childbirth; however, Complications of Pregnancy, as diagnosed by a Physician, are covered as a Sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. Injury or Sickness caused in the commission of a felony;
5. Your engagement in an illegal occupation;
6. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;
7. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的;
8. Attempted suicide or intentionally self-inflicted Injury; or
9. 暂停、放弃或撤销您的职业执照或证书.
限制. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. 在本保单项下，因精神或神经障碍造成或促成的任何残疾期间的应付总金额不得超过累计寿命最长24个月. If You are a resident patient in a Hospital when this lifetime maximum is reached, 此限制不适用于您的持续禁闭，但该禁闭是治疗您的精神或神经障碍所必需的. 此限制不会延长保单附表所示的最高保障期.
2. Pre-existing Condition Limitation. 对于前12个月内因“既存状况”造成的损失，本公司不予赔偿, after the Effective Date of Coverage.
3. 并发残疾. 如果连续的残疾是由一(1)个以上的伤害或疾病引起或持续的, it is a concurrent disability. 如果同时残疾是由一(1)次伤害或一(1)次疾病造成的，则同时残疾的福利将按此支付. 在任何情况下，您都不会被视为同时有超过一(1)个连续的伤残期.
SD –
除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失的赔偿:
1. Normal pregnancy and childbirth; however, Complications of Pregnancy, as diagnosed by a Physician, are covered as a Sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. Injury or Sickness caused in the commission of a felony;
5. Your engagement in an illegal occupation;
6. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;
7. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的;
8. Attempted suicide or intentionally self-inflicted Injury; or
9. 暂停、放弃或撤销您的职业执照或证书.
限制. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. 在本保单项下，因精神或神经障碍造成或促成的任何残疾期间的应付总金额不得超过累计寿命最长24个月. If You are a resident patient in a Hospital when this lifetime maximum is reached, 此限制不适用于您的持续禁闭，但该禁闭是治疗您的精神或神经障碍所必需的. 此限制不会延长保单附表所示的最高保障期.
2. Pre-existing Condition Limitation. 在pp王者电子官网生效日期后的前12个月内，我们将不支付因已有疾病造成的损失.
3. 并发残疾. 如果连续的残疾是由一(1)个以上的伤害或疾病引起或持续的, it is a concurrent disability. 如果同时残疾是由一(1)次伤害或一(1)次疾病造成的，则同时残疾的福利将按此支付. 在任何情况下，您都不会被视为同时有超过一(1)个连续的伤残期.
WY –
除外责任. 本保单不提供残疾或任何其他由以下原因造成或促成的损失的赔偿:
1. Normal pregnancy and childbirth; however, Complications of Pregnancy, as diagnosed by a Physician, are covered as a Sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, 辅助单位, 国民警卫队, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, 防暴, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law w在这里 the loss occurs, or loss that results from Your use of narcotics or other controlled substances, unless administered on the advice of a Physician;
7. 由整容手术引起的伤害或疾病，但因外伤而附带或随后进行的重建手术除外, 感染, or other diseases of the involved part, 因先天性疾病或畸形导致功能缺陷的再造性手术;
8. 在刑事或者教养机构被合法监禁7天以上或者被合法拘留7天以上的;
9. Attempted suicide or intentionally self-inflicted Injury; or
10. 暂停、放弃或撤销您的职业执照或证书.
限制. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. 在本保单项下，因精神或神经障碍造成或促成的任何残疾期间的应付总金额不得超过累计寿命最长24个月. If You are a resident patient in a Hospital when this lifetime maximum is reached, 此限制不适用于您的持续禁闭，但该禁闭是治疗您的精神或神经障碍所必需的. 此限制不会延长保单附表所示的最高保障期.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a Pre-existing Condition, 除非该等损失在pp王者电子官网生效日期后12个月或更长时间发生或残疾.
3. 并发残疾. 如果连续的残疾是由一(1)个以上的伤害或疾病引起或持续的, it is a concurrent disability. 如果同时残疾是由一(1)次伤害或一(1)次疾病造成的，则同时残疾的福利将按此支付. 在任何情况下，您都不会被视为同时有超过一(1)个连续的伤残期.