Additional Benefits & Features

If you are disabled, the D.C. Long Term Disability Insurance Plan, issued by The Prudential Insurance Company of America (Prudential), can pay you monthly benefits. But that's not the only feature/benefit of the plan. The plan also offers the following:

Waiver of Premium

If you become disabled, you shouldn’t have to worry about paying another bill. While you are receiving disability benefits, the premiums for your D.C. Long Term Disability Insurance Plan will be waived. (This waiver also applies if you are receiving benefits for a partial disability.)

Survivor Benefit

Your spouse will receive a benefit equal to 6 months of disability payments if you die after you were disabled for at least 90 days and you were receiving or eligible to receive benefits under the plan. If your spouse is no longer living, this Survivor Benefit will be paid to your children under the age of 25. (If you have no eligible survivors, payment will be made to your estate.)

Continuous Disability Benefit

If your disability stops for 30 consecutive days or less during your Elimination Period, you will not have to start the Elimination Period over when the disability starts again. (The days that you were not disabled do not count toward your Elimination Period.)

Recurrent Disability Benefit

Too often, disabilities are recurring. If this happens to you, we want to make sure you receive monthly benefits as soon as possible. You will not be required to satisfy another Elimination Period before receiving benefits, as long as you were continuously insured under the plan and the recurring disability occurs within 6 months of the end of your prior claim.

Worksite Modification Benefits

Changes to your workplace may be necessary to help you return to work. Under this benefit, Prudential will work with your employer to facilitate any changes, and provide reimbursement for the changes.

Rehabilitation Services

You may qualify for a rehabilitation program paid for by Prudential. Program services vary; each one will be geared to your individual needs and designed to help you return to work.

Catastrophic Disability Benefit

If you suffer a catastrophic disability, you may be eligible to receive an additional 20% of your monthly benefit amount.*

Extension of Benefits

You may be eligible to receive monthly benefits for an additional 5 years, in the case of a severe disability.*

Long Term Disability Insurance

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Call us for helpful support at 800-769-2000 ext. 8640

  * This benefit is based on having a severe cognitive impairment or your inability to perform two of the six Activities of Daily Living, as defined in and according to the terms of the Certificate of Coverage.  
   Coverage under the D.C. Long Term Disability Insurance Plan is issued by The Prudential Insurance Company of America, Newark, NJ. Please refer to your certificate for Plan details, including any exclusions, limitations and restrictions which may apply. Contract series 83500. CA COA #1179. NAIC #68241.
  This plan is not available in Alaska. 
  This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services.
  North Carolina residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.
   This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.
  The contract holder for the D.C. Long Term Disability Insurance Plan is the National Business Association for Chiropractors (NBAC). NCMIC Insurance Services, the exclusive agent, is a licensed insurance agency. California license #0B84564. IA License #2002515. In NY: NCMIC Insurance Agency. In MI: NCMIC Insurance Services Agency, Inc.