Disability Income Protection

Our Disability Income Protection pays benefits equal to a portion of monthly salary to individuals who can't work because of an illness or injury.

The plan offers choices in coverage amounts, how long benefits will be paid, waiting periods and other options.

Our claims management focuses on the individual's abilities, and on creating treatment plans that help people return to work. These services are available:

• Rehabilitation — clinical and vocational
• Member Assistance Programs — offers assistance with personal problems
• Social Security Assistance — helps employees apply for and receive the disability benefits they're entitled to

Optional benefits:

• Cost of Living Adjustment — keep benefits current with the cost of living
• Spouse Coverage — if a spouse works full time
• Business Overhead Option — for business owners
• Personal Accident Options — the extra protection of AD&D