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Long Term Disability Insurance
Policy Highlights
Outstanding Benefits
Common Questions
Pair with Business Overhead Expense
 

As a D.C., you know the impact disabling illnesses and injuries can have. You see how they affect your patients every day. But what if you become disabled? Even a minor injury can prevent you from practicing as a D.C. – and from earning an income.

The D.C. Long Term Disability Plan can help.
Sponsored by the National Business Association for Chiropractors (NBAC), it provides the coverage you’ll need if you become totally disabled, including:

  • GUARANTEED ACCEPTANCE when you enroll by May 3, 2010.*
  • Elective Chiropractic Preventative/Maintenance Care is not considered a pre-existing condition
  • Replaces up to 60% of your Pre-disability Monthly Earnings
  • Two Elimination Periods Available
  • Own Occupation Protection for 2 Years
  • Benefit Period to Retirement Age
  • Rehabilitative Employment Benefit
  • and More!

 

*You do not have to take a health exam or answer health questions to enroll; however, this plan does include a pre-existing conditions limitation.
For details see Policy Highlights section.

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.
All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions,
limitations, reductions of benefits and terms under which policies may be continued in force or discontinued. Policy Form GBD-1000A (AGP-5673/5675).
The D.C. Long Term Disability Insurance Plan is not yet available in OR, TX or VT.