Click the image to return to the Health Insurance Program page. SHORT-TERM DISABILITY
Effective Date: October, 2008 - September 30, 2009
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Carrier: Kansas City Life |
Example:
42 year old wanting $500 weekly benefit:
Cost per month = $21.00 Weekly deduction = $ 4.85
*Explanation of pre-existing condition elimination period: (this does not apply to new health conditions incurred after joining the plan)
Any health condition that you had received treatment for in the 12 months prior to joining the plan would not be covered until you had been on the plan for 12 months.
**Underwriting Requirement: Guarantee issue at initial eligibility. Evidence of Insurability will be required after this date. |
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Plan Design |
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Max Weekly Benefit (not taxable) |
$1,000 |
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Max Percentage Regular Earnings |
60% |
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Benefit Duration |
13 weeks |
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Waiting Period before benefit begins |
8th day Sickness / 8th day Accident |
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Pre-Existing Condition Elimination* |
12 / 12 |
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Occupational Injury / Sickness |
Not covered under this plan |
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Guaranteed Issue |
Up to $1,000/week |
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Individual Underwriting Requirement** |
Not needed at initial eligibility |
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Portable Benefit |
No |
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Rate Guarantee |
12 months |
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Rate per $10 (ten) of Benefit |
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< 25 |
$0.43 |
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25 - 29 |
$0.45 |
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30 - 34 |
$0.45 |
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35 - 39 |
$0.40 |
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40 - 44 |
$0.42 |
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45 - 49 |
$0.46 |
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50 - 54 |
$0.57 |
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55 - 59 |
$0.77 |
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60 - 64 |
$0.94 |
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65 - 69 |
$1.07 |
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70 + |
$1.17 |
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LONG-TERM DISABILITY
Effective Date: October, 2008 - September 30, 2009
This coverage is intended to provide you with income when you are permanently or partially disabled due to injury or sickness. Benefits are paid until your Social Security Retirement Age.
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Carrier: Kansas City Life |
Example: 42 year old wanting $5,000 monthly benefit:
Cost per month = $24.50 Weekly deduction = $ 5.65
*SSNRA = Social Security Retirement Age |
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Plan Design |
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Max Monthly Benefit |
$5,000 |
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Max Percentage Regular Earnings |
60% |
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Benefit Duration |
Sickness & Accident to SSNRA* |
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Elimination Period: |
90 day |
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Prior Pre-Existing Condition Elimination |
12 months |
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Post Hire Wait for Pre-Ex |
24 months or 6 months treatment free |
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Portable Benefit |
No |
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Guaranteed Issue |
Up to $5,000/month |
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Rate Guarantee |
24 months |
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Rate per $100 (hundred) of Benefit |
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< 25 |
$0.13 |
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25 - 29 |
$0.16 |
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30 - 34 |
$0.22 |
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35 - 39 |
$0.32 |
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40 - 44 |
$0.49 |
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45 - 49 |
$0.73 |
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50 - 54 |
$1.09 |
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55 - 59 |
$1.41 |
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60 - 64 |
$1.49 |
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65 - 69 |
$1.49 |
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70 + |
$1.49 |
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| Click the image to return to the Health Insurance Program page. |