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Classic Disability Income PlanWhat would happen if your income stopped tomorrow?Your ability to earn an income may be your most valuable asset. Your family's lifestyle, your home, your children's education and your retirement may all hinge on your ability to work and earn an income. What if you suddenly became too sick or hurt to work, how would you continue your lifestyle? Without an income, years of hard-earned savings could evaporate in a matter of months, even weeks. That's why your association wants to help you to protect your income and your family's financial security with Disability Income Protection insurance. Why You Need Disability Insurance Who May Apply Amounts Available BENEFIT DESCRIPTIONS Accidents On-the-Job & Off-the-Job Sickness Pregnancy Lifetime Benefit Period Option for Off-the-Job Accidents Total Disability Definition Concurrent and Successive Disabilities Worldwide Coverage Payment for Medical Expenses Additional Benefits if Hospitalized Payroll Deduction Waiver of Premium Vocational Rehabilitational Benefits Survivor Benefits Work Stoppage Benefits Renewability ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) BENEFITS Optional AD&D Amounts PLAN EXCLUSIONS Disability Plan Exclusions Accidental Death & Dismemberment (AD&D) Exclusions Pre-Existing Conditions Bi-Weekly Rates Other Options Available to You Effective Date of Insurance Apply Now! Administered by Underwritten by Why You Need Disability Insurance When you are sick or injured for any length of time, you need all the financial help you can get. You need money just to keep going to pay your everyday living expenses. And, you need additional money to help pay the new bills you will undoubtedly be faced with. Take the time to read through this plan description and discover for yourself how the new and enhanced benefits of this plan can work for you with affordable rates and more coverage choices. Who May Apply This plan is available to all CSEA Members under age 60 who are regularly and actively performing the duties of their occupation according to their regular schedule on a full-time basis. CSEA Membership is required for the continuance of this insurance. Individuals on active duty in the armed forces are not eligible to apply. Amounts Available Based on your annual salary at the time of application according to the following table:
You may be eligible for up to $2,000 of monthly benefit based on your salary. Please call Pearl Carroll & Associates for salary requirement for benefits over $1,000. The monthly benefit amount does not increase automatically as your salary increases. You must apply for additional coverage amounts. BENEFIT DESCRIPTIONS Accidents On-the-Job & Off-the-Job The Plan pays a monthly benefit from the FIRST day of a total disability due to a covered accident, for up to 12 MONTHS. Sickness The Plan pays a monthly benefit from the EIGHTH day of a total disability due to a covered sickness, for up to 12 MONTHS. Pregnancy The Plan pays benefits for up to 1 MONTH, beginning on the EIGHTH day of a total disability due to covered pregnancy. Lifetime Benefit Period Option for Off-the-Job Accidents Available at an additional premium. Pays benefits up to lifetime for Total Disability due to a covered Off-the-Job Accident. See rate chart for details. Total Disability Definition Benefits are provided for a covered total disability that begins while you are insured. Total Disability is defined as a sickness, accident, or pregnancy that completely and continuously incapacitates you so that you cannot perform the material and substantial duties of your occupation. Throughout your Total Disability you must also be under the care of a doctor (other than yourself or a member of your family or household) and not be working in any occupation for pay or profit. Disabilities due to an accident must be independent of all other causes and must begin within 90 days of the accident. Concurrent and Successive Disabilities Any period of disability resulting from one or more causes, or, two or more periods of disability, will be considered as one period of disability unless:
Worldwide Coverage Coverage is worldwide; there are no territorial restrictions. Full benefits are payable even though you may be entitled to sick leave pay, other pay, or if you have other insurance. Payment for Medical Expenses Up to the monthly benefit amount is payable for the treatment of minor, non-disabling injuries caused by a covered accident. Additional Benefits if Hospitalized This feature provides a benefit for each day you are confined as an in-patient in a Hospital due to a total disability resulting from a covered accident or sickness. The daily benefit payable is equal to 1/30th of your in-force Monthly Benefit Amount. It begins after your applicable Waiting Period and is payable up to the Maximum Period specified for your underlying Disability Plan. Payroll Deduction Premiums are payable through convenient payroll deductions. Waiver of Premium After you have been totally disabled for six consecutive months, all future premiums will be waived for as long as you continue to receive Total Disability benefits. Vocational Rehabilitational Benefits Approved candidates can receive the benefit of a personalized vocational rehabilitation program for up to 24 months. These benefits are in addition to any disability benefits that are payable. Survivor Benefits Provides your family with 2 additional monthly benefit payments if you die while receiving benefits for a covered disability that lasted at least 30 days prior to your death. Work Stoppage Benefits You pay no premiums and your coverage is continued if a CSEA authorized work action results in a stoppage of your pay! Renewability You may keep this valuable protection as long as you maintain your CSEA membership, pay your premiums when due, are actively-at-work, do not enter active duty in the armed forces and the policy remains in effect for members. The policy may be terminated by either CSEA or New York Life. ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) BENEFITS $5,000 Basic Principal Sum In addition to any other benefit, this plan pays the specified principal sum amount for certain physical losses due to a covered accident which occurs while insured as shown below.
Loss must occur within 90 days after the date of the accident. Only one of the amounts shown above is payable for all losses resulting from one accident. Loss of a hand means severance at or above the wrist joint. Loss of a foot means severance at or above the ankle joint. Loss of an eye means total loss of sight, which cannot be recovered. Optional AD&D Amounts Optional Principal Sums - $10,000; $30,000; $50,000 or $100,000 are also available - see PREMIUM section for rates. PLAN EXCLUSIONS Disability Plan Exclusions Benefits are not provided for disabilities which begin before an insured's effective date or for disabilities due to: air travel, unless flying solely as a passenger; war or military service; self-inflicted injuries (while sane or insane); committing or attempting to commit a felony; any illegal occupation or activity; or due to Pre-Existing conditions (except as explained). Accidental Death & Dismemberment (AD&D) Exclusions AD&D Benefits are not provided for losses due to: air travel, unless riding solely as a passenger; war; suicide; intentionally self-inflicted injuries; illegal use of drugs, narcotics, hallucinogens, etc.; use of alcohol; commission of a felony or assault; insurrection; terrorist activity, riot; or for losses due to sickness or disease or its medical or surgical treatment. Pre-Existing Conditions Benefits are not provided for a disability due to any condition for which medical advice was given, or treatment was recommended by or received from a physician during the 6 month period before an insured's effective date, until coverage has been continuously in effect for 12 months. Bi-Weekly Rates Click here to view Options Available to You Contact Pearl Carroll & Associates for rates.
Effective Date of Insurance Your insurance will not become effective until your application has been approved and the first premium and/or payroll deduction has been paid. Apply Now! Apply for this valuable disability income insurance now. Click here to download the Non-Medical Application to apply for coverage. If you are requesting a monthly benefit over $1,000 or, the 6 Month or 2 Year Benefit Period Option, you must complete the Regular Application and answer the brief medical questions (Call Pearl Carroll & Associates for a copy of the regular application). Be sure to sign your Application and a CSEA Payroll Deduction authorization form and mail to: CSEA Insurance Program c/o Pearl Carroll & Associates LLC 12 Cornell Road Latham, NY 12110 Some agencies do not allow Payroll Deduction. For those members, we now offer EZ Pay SM. If you use EZ Pay SM, please remember to include the first two months premium as an initial payment. Plan Administered by Pearl Carroll & Associates LLC 12 Cornell Road Latham, NY 12110 1-877-VIP-CSEA Underwritten by New York Life Insurance Company 51 Madison Avenue New York, NY 10010 This plan description includes only a partial description of the principal provisions and definitions of the proposed coverage. The complete terms and definitions are set forth in Group Policy G-11628-0 (Policy Form GMR). Each insured member will receive a Certificate of Insurance detailing his/her coverage under this policy. This Policy provides Disability Income and Accidental Death & Dismemberment insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. CSEA incurs administrative costs in connection with its sponsorship of this Disability Income Insurance Program. To provide and maintain this valuable benefit, CSEA may be reimbursed for these costs. 
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