Kisinger Campo & Associates provides you short term disability (STD) insurance. STD is insurance for your paycheck should you become disabled due to an off the job injury or illness for a period of time. SHORT TERM DISABILITY
Kisinger Campo & Associates pays 100% of the cost for LTD coverage.
This benefit is at NO COST TO YOU.
WHEN WOULD THE BENEFIT START?
Benefits would begin on the 8 th day from injury or illness.
HOW MUCH WOULD THE BENEFIT PAY? The benefit would pay 60% of your weekly pre-disability earnings to a maximum of $1,500.00 per week.
HOW LONG WILL THE BENEFIT PAY?
The benefit would pay out to a maximum of 26 weeks or until you no longer meet the definition of disability, whichever occurs first.
VOLUNTARY LONG TERM DISABILITY
Kisinger Campo & Associates offers you the option to purchase long term disability (LTD) insurance. LTD is also insurance for your paycheck should you become disabled off the job.
If you enroll in LTD, Kisinger Campo & Associates will cover 50% of the cost for LTD coverage.
WHEN WOULD THE BENEFIT START?
Benefits would begin on the 180 th day from injury or illness. The LTD would continue disability coverage and benefit at the end of STD.
HOW MUCH WOULD THE BENEFIT PAY? The benefit would pay 60% of your monthly pre-disability earnings to a maximum of $10,000.00 per month.
HOW LONG WILL THE BENEFIT PAY?
The benefit would pay out until you are no longer disabled or Social Security Normal Retirement Age.
PRE-EXISITING CONDITIONS ARE EXCLUDED. If you had a pre-existing condition within the 6 months prior to coverage becoming effective, you would not be eligible to claim for any disability resulting from that condition if the disability occurs within 12 months of the start of coverage.
WHEN WOULD I NEED TO SHOW EVIDENCE OF GOOD HEALTH TO GET LTD INSURANCE?
If you elect coverage outside your newly eligible period you will be required to provide Evidence of Insurability (EOI). Completed EOIs should be submitted to Sun Life directly.
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