Long-Term Disability
Help Preserve Your Lifestyle
Long-term disability insurance can replace a portion of your income if illness or injury prevents you from working for an extended period of time.
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Group Long-Term Disability Income Insurance
If illness or injury prevented you from working, how well would you and your family do without a paycheck? If you are like most, it would be tough to support your lifestyle for any significant length of time. Take advantage of the Standard Issue Plan or One-Step Express to get coverage in place easily – today.
One-Step Express Disability Insurance
Quicker application process*
- ABA members age 54 and under may apply up to $6,000 per month of coverage depending on their age.
- Choose from a 60-day, 90-day, 180-day or 365-day elimination period before benefits begin.
* If answers are unfavorable, full underwriting may be required. Coverage is subject to approval of the insurer.
Standard Issue Disability Insurance
Larger benefit amounts
- ABA members under the age of 65 may apply for up to $12,000 per month in increments of $100.
- Choose from a 60-day, 90-day, 180-day or 365-day elimination period before benefits begin.
Added Benefits
Included in both One-Step Express and Standard Issue plans
Own Occupation Protection
Own occupation means the occupation in which you are regularly engaged in at the time you become disabled. For attorneys, own occupation means the specialty in the practice of law in which you were engaged just prior to the date disability started.
Wavier of Premium
If you become totally disabled while receiving monthly benefits, we will waive your premium payments for the cost of any disability insurance defined as insurance for as long as you continue to receive benefits. When you stop receiving monthly benefits, premium must again be paid when due.
Family Care Incentive
If you work or participate in a rehabilitation program while disabled, reimbursement may be provided for up to $400 per month for eligible family care expenses incurred by you for each eligible family member during the first 24 months of benefit payments.
Rehabilitation Program Incentive
If you participate in an approved rehabilitation program while disabled, we will increase your monthly benefit by 10%.
Request a
Personalized Disability Consultation
ABA Insurance is a member benefit of the American Bar Association
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