Disability Income AAW-D112

What would happen to your life and lifestyle if you had an accident, became disabled, and were unable to work? It’s easy to think that this won’t happen to you, but studies say it might. Where would the money come from? Consider:

  • Disability is the reason for nearly half of all home foreclosures.1
  • Half of all age 35 or younger will be disabled for 3 months or more before age 65.2
  • In an average year, while 1 in 5 cars are damaged in accidents, 1 in 114 people die in accidents, and 1 in 96 homes catch fire. Compare this to the fact that 1 in 21 people become disabled in accidents.3
  • Women between the ages of 35 and 65 are 40% more likely than men to become disabled for 90 or more days.4
  1. Government Statistics, 1982, printed in Life Association News, 1986
  2. 1985 Commissioners Individual Disability A Table, as reported in "Bests Policy Reports, " February 1999
  3. 1994 National Safety Council and World Almanac as reprinted in National Underwriter Company "Field Guide", 1999.
  4. "Life Association News" January, 1986

NOTE: No more recent relevant statistics are available.

Assurity at Work offers the flexibility of a wide range of short term disability coverage options to meet your needs. Whether you need off-the-job only or 24-hour coverage, a choice of benefit riders, coverage for your spouse and/or children, and a variety of elimination and benefit periods are available. Assurity’s short term disability income plans are also guaranteed renewable.

Disability Income highlights include:

  • Coverage available for your spouse
  • Unisex rates – same rates for men and women
  • Portable – If you leave your present company you can keep the policy enforce by continuing to pay the premiums.
  • Guaranteed renewable* to age 65
  • Minimum issue: $300 monthly
  • Maximum issue: $3000 monthly

*Assurity Life Insurance Company cannot cancel individual policy coverage.  Premium rates, however, can be changed for all insureds of the same group of policies.

Riders (Available at an additional cost.)

Total Disability-Sickness Rider and Total Disability-Sickness Rider – Non-Occupational AAW-DR220
Pays a monthly benefit of up to $3,000* for total disability due to sickness (including maternity).

* The maximum issue amount will vary according to the underwriting guidelines used.