How long do you think your current savings will cover your household expenses should you become disabled? Years? Months? Weeks? Hours or less? You get the point.
To help make sure that you and your family are financially sound should an illness or accident prevent you from working, your dedicated CAP Physicians Insurance Agency, Inc. is pleased to offer you Short- Term Disability (STD) and Long-Term Disability (LTD) Insurance protection – with coverage guaranteed! The CAP Disability Insurance Program1 can supplement your current LTD policy or act as stand-alone coverage. You can obtain these coverages with:
- No medical underwriting
- No income documentation
There is a 14-day elimination period before benefits become payable under the STD plan, and the $1,000 weekly benefit is payable for an 11-week benefit period. It will pay in addition to benefits received from other policies and eligible State Disability benefits.
If you’re looking to close the 180-day gap while waiting for the core disability coverage of up to $2,000 monthly benefit that comes with your CAP membership, you may want to consider the 24-week benefit period option.
When you choose supplemental LTD coverage2-3, benefits become payable after the 91st day of disability. You can choose from two monthly benefit options of up to $10,000 a month or up to a 60-percent maximum of your income. You also can choose from a policy that pays for five years only or to age 654.
To learn more, contact the CAP Agency at Benefits@CAPphysicians.com or 213-576-8530 -- we’ll be happy to assist you. You also may get rates or enroll by visiting www.CAPphysicians.com/benefit.
Take advantage of this opportunity and enroll now for these very important coverages!
1Must be working at least 17.5 hours per week and not currently disabled; minimum $200,000 annual income required to qualify for $10,000 maximum benefit, or benefit will be based on 60 percent of income. Rates are subject to increase after each carrier review period and will change after each birthday that ends in a zero or a five, as you move into a new age band. Limited time pre-existing condition exclusions apply.
2 Income conditions apply. Please ask for details.
3Benefit will offset for eligible State Disability and Social Security Disability benefits.
4Coverage and benefits are still available, but for a limited time.