Benefits Chart

Choosing the LTD Plan That Best Helps to Meet Your Needs
Maximum Insured
Monthly Earnings
You may insure 60% of the first $10,000 of your monthly earnings.
(And your spouse may insure his/her earnings.)
% Earnings Payable Up to 60% of your Pre-disability Earnings.
Maximum Monthly Benefit Choose $500 to $6,000 (in increments of $100)
Benefit Duration*
Under age 60
Age 60 to 67
Age 68 or 69

Up to 2 years
Up to 2 years
Up to age 70

Up to 5 years
Up to 2 years
Up to age 70

Up to age 65
Up to 2 years
Up to age 70
Elimination Period You choose: 30, 60, 90 or 180 days.
Waiver of Premium definition Yes, after benefits payable for 6 months
24 Hour Coverage Yes, on and off the job.
Condition Coverage
Full after 24 months insured or 12 continuous
months treatment free while insured.
Survivor Income Benefit Pays benefits to dependents if member dies.
* Rates or benefits may be changed on a class basis. Rates are based on the attained age of the insured person and increase as you enter each new age category.

This Income Insurance Protection Plan Works For You!


All active, dues paying members of NAIFA and their spouses who:

  1. Are under age 60;
  2. Reside in the United States;
  3. Are actively at work on a full-time basis (at least 30 hours per week);
  4. Have been working full-time for at least 30 days before his or her effective date; and
  5. Spouse is not legally separated or divorced from the eligible member.

When a member and spouse are both eligible members, coverage may not be duplicated by applying as dependents of each other.

Cost of Living Adjustment (COLA)

After the waiting period and one complete calendar year of total disability, the net monthly benefit is increased 3%. Should the total disability continue, benefit increases will take effect on each subsequent anniversary for a maximum of five increases.

Waiver of Premium

If you become totally disabled, as defined by the group policy, and receive monthly benefits for 6 consecutive months, the premium payment may be waived for as long as the insured is disabled (provided the required proof is given). When the insured stops receiving monthly benefits, premiums must again be paid when due.

Rehabilitative Employment Benefit

The Rehabilitative Employment Benefit helps you rebuild your income as you return to full-time employment. If you are Totally Disabled or Disabled and Working, we will pay you a Monthly Benefit equal to Your Total Disability Monthly Benefit less 50% of any income received from the Rehabilitative Employment. The sum of the Monthly Benefit and total income received from Rehabilitative Employment may not exceed 100% of Your Pre-disability Earnings. If this sum exceeds the Pre-disability Earnings, the Monthly Benefit paid by us will be reduced by the excess amount.

Survivor Income Benefit

If You were receiving a Monthly Disability Benefit at the time of Your death and You had been receiving such benefits for at least 12 months, we will pay a Survivor Income Benefit, which is equal to 75% of Your last Monthly Benefit Amount for Total Disability paid to you. The Benefit is payable for 12 months.

Duration of Benefits

Benefits are paid depending on the plan chosen. If total disability begins before age 60, benefits are paid for 2 years for Plan 1, 5 years for Plan 2, or to age 65 for Plan 3, as elected. If total disability begins between ages 60 and 67, benefits are paid for 2 years, and up to age 70 if disability begins on age 68 or 69, regardless of plan selected.

All benefits will end on the date:

  1. The member fails to give required proof of continuing total disability;
  2. The member’s total disability ends;
  3. The member attains age 70;
  4. The maximum benefit period ends; or
  5. The member dies.

If the group policy ends while totally disabled, this will not act to end the maximum benefit period.

For Medically Underwritten Policies Only


To properly underwrite and administer your application for insurance coverage, we must collect certain information concerning your insurability. You are our most important source of information, but we may also contact other sources such as medical professionals and institutions, employers and other insurance companies. While all information regarding your insurability will be treated as confidential, in some situations, and in compliance with applicable law, we may disclose necessary items of information to third parties without your specific authorization.


As part of our procedure for processing your application, an investigative consumer report may be prepared by an outside insurance reporting organization. Personal information may be collected from others regarding your general reputation and lifestyle. If an interview is conducted with someone other than you, we will inform you of your right to be interviewed in connection with the preparation of the investigative consumer report. You have the right to send a written request within a reasonable period of time to receive additional detailed information about the nature and scope of this investigation.


To provide you, our client, with the best possible service, we may also conduct what we call a personal history interview. This is a phone call placed from our underwriting office. Its purpose is to make sure that the application information is complete. Our interviewers are trained to conduct their calls in a friendly, professional manner. The nature of the information discussed is always treated as personal and confidential and will only be used to assess your eligibility for insurance.


Information regarding your insurability will be treated as confidential. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may, however, make a brief report thereon to the MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company, with the information about you in its file. Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at (866) 692-6901 (TTY (866) 346-3642). If you question the accuracy of the information in MIB's file, you may contact MIB and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of MIB's information office is 50 Braintree Hill Park, Suite Model 400, Braintree, Massachusetts 02184-8734. Hartford Life Insurance Company, Hartford Life and Accident Insurance Company, or their reinsurers, may also release information from their files to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at


You can obtain access to personal information about you contained in our policy files by sending us a written request. You may also request any necessary corrections, amendments or deletion of any information in our files which you believe to be inaccurate or irrelevant. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may release information in their files to other life insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Also, please be advised that personal and confidential information collected by us may, in certain circumstances, be disclosed to third parties without authorization. A notice providing further description of the circumstances under which information about you may be disclosed and the types of persons and organizations to whom it may be disclosed will be sent to you upon your written request. If you desire further information or access to your personal information, please send your written request to: Hartford Life Insurance Company or Hartford Life and Accident Insurance Company, 200 Hopmeadow St., Simsbury, CT 06089. PA-9369