Long Term Disability Insurance
Long Term Disability Insurance provides a monthly benefit if you become disabled due to a covered injury or illness. Whether it's something as common as a fracture or as life-changing as cancer or Alzheimer’s, this coverage can help you manage financial obligations when you're unable to work. It can assist with paying credit card bills, your mortgage, college tuition, and other essential expenses.
Group Long Term Disability features
- Help protect 60% / 70% of your monthly earnings, up to $20,000*
- Benefit increases from 60% to 70% of income after 2 years on claim
- Elimination Period: 90 days from your date of disability
- Rates increase at 10-year age bands (ages 30, 40, 50 and 60)
- Benefit Period: to Social Security Normal Retirement age, or age 70
- Catastrophic Disability Benefit Rider pays an additional 40% of your insured income, up to $5,000/month
- Critical Illness Benefit Rider pays an additional 20% of your insured income, up to $5,000 per month for qualifying causes of disability.
Advisor Group Long-Term Disability Insurance Monthly Member-exclusive rates
| Age Band | $5,000 Monthly Benefit | $10,000 Monthly Benefit | $15,000 Monthly Benefit | $20,000 Monthly Benefit |
|---|---|---|---|---|
| <29 | $28.50 | $57.00 | $85.50 | $114.00 |
| 30-39 | $31.50 | $63.00 | $94.50 | $126.00 |
| 40-49 | $52.50 | $105.00 | $157.50 | $210.00 |
| 50-59 | $99.00 | $198.00 | $297.00 | $396.00 |
| 60-69 | $131.25 | $262.50 | $393.75 | $525.00 |
- Rates increase at 10-year age bands (ages 30, 40, 50, and 60).
Individual Disability Insurance features
- Up to $5,000 in monthly coverage with no medical exams or tests
- Benefits and rates are locked in for the duration of the policy
- You’re covered whether you are completely or partially unable to do your job
- No reduction of benefit during a total disability for renewals or fees
- Non-Cancelable and Own Occupation, you own the policy
Individual DI $5,000 Monthly Benefit Sample Premiums
| Age | 3A | 4A | 5A |
|---|---|---|---|
| 30 | $138.00 | $116.00 | $102.00 |
| 40 | $206.00 | $174.00 | $150.00 |
| 50 | $287.00 | $242.00 | $206.00 |
| 60 | $313.00 | $283.00 | $242.00 |
| Individual rates based on age, occ-class, tobacco use, and state of residence | |||
Short Term Disability Insurance
The FSI CoveredAdvisor Short-Term Disability Plan is designed to help protect your income by providing up to $2,000 per week during the short term. This plan helps bridge the gap before your long-term disability benefits kick in, ensuring you never go uncovered.
Short Term Disability Insurance features
- Weekly Benefit Increments: Choose from $500, $1,000, $1,500, or $2,000 per week to match your financial needs
- Guaranteed Issue: Available on a Guaranteed Issue basis during your open enrollment period, ensuring you can get coverage without a medical exam
- Benefit Start Date: Benefits begin 30 days after your date of disability, helping to bridge the gap before long-term disability benefits start
- Stable Rates: Rates do not increase with age, providing you with consistent and predictable coverage
Short-Term Disability Monthly Member-exclusive rates
| Weekly Benefit | Premium |
| $500 | $12 |
| $1,000 | $24 |
| $1,500 | $36 |
| $2,000 | $48 |
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