Features & Provisions

Monthly Benefits

The Total Disability benefit will begin to accrue on the day after the Elimination Period ends. The Total Disability benefit will be paid in the amount elected and approved, reduced by other income benefits as described below.

Offset Provision

The benefit amount payable as the result of the Insured Person's Total Disability will be the lesser of:

  1. the Monthly Benefit; or
  2. 60% of the Insured Person's Pre-Disability Earnings less any Other Income Benefits available from any government programs, including those for which the Insured Person could collect but did not appy (i.e. Social Security, Worker's Compensation, etc).

The maximum benefit amount will also be reduced by:

  1. any Other Income Benefits available from other group disability or retirement plans; and
  2. any other income from employment, including commissions actually paid to the Insured Person.

Under these circumstances, the benefit is reduced so that the total income from such sources does not exceed 70% of the Insured Person's Pre-Disability Earnings.

However, if the Insured Person's Monthly Benefit would reduce to less than $50 per Month due to Other Income Benefits, then the minimum Monthly Benefit under The Policy will be $50 per month.

Insured's monthly predisability earnings $3,000.00
Long term disability benefits percentage x 60 %
Unreduced maximum benefit $1,800.00
Less Social Security disability benefit per month -$900.00
Less state disability income benefit per month -$300.00
Total amount of long term disability benefit per month $600.00

This example is for purposes of illustrating the effect of the benefit reductions and is intended to reflect the situation of a particular claimant under the policy.

Limited Monthly Benefits to be Paid

If you are Totally Disabled due to mental illness, alcoholism or substance abuse, the maximum payment period will be reduced to 2 years during your lifetime, unless you are confined in a hospital or other institution.


  1. Your monthly income benefit is reduced by any benefits available from any government plans. (i.e. Social Security benefits, Workers’ Compensation, etc.)
  2. Then, if any benefits are available from other group Disability and Retirement plans, or any other income from employment, the benefit is reduced so that the total income from such sources does not exceed 70% of your pre-disability earnings. Benefit integration does not apply to individual policies.

Limited Monthly Benefits to be Paid for Pre-existing Conditions

The policy will not pay an increased Benefit for any loss or period of Total Disability which: 1) begins during the first 24 months following the date you make a change in coverage that increases your benefits; and 2) is a result of a Pre-existing Condition, unless such Total Disability begins or you have been free of medical care for the condition for a 12 month period ending any time on or after your effective date of increase.

Concurrent Disability

Successive periods of disability will be considered one period of disability if the periods of disability are due to the same or related medical causes; and separated by less than 6 months during which You are Actively at Work.

CONCURRENT DISABILITY: Benefits during any Period of Disability as the result of:

  1. more than one Sickness; or
  2. more than one Injury; or
  3. both Sickness and Injury;

will be considered the same as if the disability resulted from only one cause.


The Policy does not cover any Disability or loss caused by:

  1. intentionally self inflicted Injury, suicide or attempted suicide, while sane or insane; or
  2. pregnancy or childbirth, except Complications of Pregnancy; or
  3. war or act of war, whether declared or not; or
  4. Your commission or attempted commission of a felony.


Your coverage and Your Spouse's coverage will end on the earliest of:

  1. the date The Policy terminates;
  2. the date the Policyholder withdraws its sponsorship of, or cancels, The Policy;
  3. the Premium Due Date on or next following the date You or Your Spouse attain The Policy Age Limit;
  4. the date You or Your Spouse cease to be Actively at Work, except due to disability covered by The Policy as described herein;
  5. the Premium Due Date any required premium contribution is not made, subject to the Individual Grace Period; or
  6. with respect to Your Spouse's coverage, the Premium Due Date he or she is legally separated or divorced from 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.

Evidence of Insurability

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the Company will be conducted at your own convenience and at no expense to you. (This does not apply to the guaranteed issue offer.)


Total Disability or Totally Disabled means a disability which:

  1. During the Elimination Period and the first 24 months during which the Total Disability benefits are payable, wholly and continuously prevents You or Your Spouse from performing the essential duties of You or Your Spouse’s occupation; and
  2. After that, wholly and continuously prevents You or Your Spouse from engaging in any occupation.

ELIMINATION PERIOD means the number of consecutive days at the beginning of any one period of Total Disability which must elapse before benefits are payable.

PRE-EXISTING CONDITION means any disability, diagnosed or undiagnosed, for which medical care is received by You: 1) within the 12 month period prior to the date your insurance starts; or 2) with respect to limitation for any increase in coverage, within the 12 month period prior to the effective date of your increase in coverage.

PRE-DISABILITY EARNINGS means, if You are self-employed, Your average net monthly income (gross revenue less business expenses) from:

  1. the personal practice of Your profession; or
  2. personal conduct of Your main business.

This average is based on net income for:

  1. 12 months; or
  2. 24 months;

whichever produces the higher average, before the determination is made. If You have been self-employed for less than 12 months, it is based on the whole time You were self-employed.

If Your practice is incorporated, net income includes the cost to Your company of fringe benefits and Your share of total surplus. Income does not include investment returns, rents, royalties, and the like income which is not directly produced from Your current work.

Pre-disability Earnings means, if You are not self-employed, Your regular monthly rate of pay, includes Commissions, but not bonuses, tips and tokens, overtime pay or any other fringe benefits or extra compensation, in effect on the date immediately prior to the last day You were Actively at Work before You became Disabled.

ACTIVELY AT WORK means You or Your Spouse are performing the essential duties of your occupation for wage or profit on a full-time basis (at least 30 hours per week).

Effective Date

When You or Your Spouse gives us a satisfactory application and pay the required premium for coverage, then You or Your Spouse will become covered under The Policy on the later of:

  1. The Policy Effective Date.
  2. The first day of the month on or next following the date we receive the request; or;
  3. If evidence of insurability is required, the first day of the month on or next following the date:
    1. we determine You or Your Spouse are insurable;
    2. with respect to the Guaranteed Issue Plan, the date we determine that You or Your Spouse are insurable only under such plan subject to the Deferred Effective Date provision. However, Your Spouse’s coverage will not become effective prior to the date Your coverage becomes effective.

Deferred Effective Date

If on the date You or Your Spouse are to become covered:

  1. under The Policy;
  2. for increased benefits; or
  3. for a new benefit;

and You or Your Spouse are not Actively at Work on that date, coverage will not begin until the first day of the month on or next following the date You or he or she are Actively at Work for 1 month.

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 www.mib.com.


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

Below is a listing of all rates

Rates are per $100
of monthly coverage.

30 Day
60 Day
90 Day
180 Day
PLAN 1 *
Benefit duration: 2 years
Under 35
35 -39
40 - 44
45 - 49
50 - 54
55 - 59
60 - 64**
65 - 69**
Benefit duration: 5 years
Under 35
35 -39
40 - 44
45 - 49
50 - 54
55 - 59
60 - 69**
Benefit duration: to age 65
Under 35
35 -39
40 - 44
45 - 49
50 - 54
55 - 59
60 - 69**
* Plan 1, 90-day Elimination Period rates apply to the Guaranteed Issue coverage as well, up to a maximum of $1,500.
** Renewal Rates Only
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. Please note there is a Billing Fee of $1.00 for Bank Draft and $2.00 for Direct Bill, per billing cycle.

GBD-1000 A (AGP-5825) & GBD-1000 A (AGP-5824)

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, and terms under which the policies may be continued in force or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder, NAIFA Group Insurance Trust. This program may vary and may not be available to residents of all states.

Once you receive your certificate of insurance, if you’re not 100% satisfied within the first 30 days, we’ll send you a full refund of any premiums paid during that period and your certificate will be considered never issued. You will be under no further obligation.

TPA Compensation Disclosure

Kelsey National Corporation is the Plan Administrator and insurance broker that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. Kelsey National Corporation is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive.

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting, or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.
Consult your tax advisor for specific details.