WHO
ABA members age 54 and under may apply up to $6,000 per month of coverage depending on their age through a quicker application process.* Choose from a 60-day, 90-day, 180-day or 365-day elimination period before benefits begin.
COVERAGE AMOUNT
Up to $6,000
in $100 increments
BENEFIT DURATION
The plan offers 2 maximum benefit durations.
• 5 Years
• Reducing Benefit Duration
ADDED BENEFITS
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.
Increase your intial benefit amount.
Rehabilitation Program Incentive
If you participate in an approved rehabilitation program while disabled, we will increase your monthly benefit by 10%..