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- Through a special arrangement with Guardian, a leader in disability
income insurance for more tthan 40 years, our members are guaranteed a
permanent 10% association
discount. In addition, if you qualify, there is a 15% non-tobacco user
discount and a 5% preferred risk discount.
- Features
- Non-cancellable and guaranteed renewable to at least age 65 as long as
you are working full time.
- Own-Occupation definition of disability which means your claim will be
paid if a sickness or injury prevents you from performing the material
and substantial duties of your occupation as a physicians assistant,
even if you are able to be employed in another capacity.
- Residual Disability Benefits – Disability isn’t always “Total.” You may
suffer a partial or residual disability that limits your ability and
results in decreased income. The ProVider Plus policy pays benefits
proportionate to income loss, and for the first six months benefits at
least 50% of the total disability benefit.
- Optional Benefits include:
- Optional Future Increase Option Rider which not only provides the option
to purchase additional future benefits with no proof of good health, but
also allows you to exercise the option during a disability that exists
on the option date.
- An Optional Cost Of Living Adjustment Rider which at the end of a each
12 months in a continuous claim before age 65, benefits will be
adjusted at a compound rate to
reflect annual changes in the Consumer Price Index*. You have a choice
of 3% or 6% cumulative maximum. This benefit is not necessarily
protection against increases in the cost of living.
- An optional Unemployment Premium Waiver Option Rider, allows that during
a period of unemployment, this rider will help you keep your policy in force by
refunding and waiving premiums, under certain conditions.
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Notes
