FAQs

Answers to your questions about the D.C. Long Term Disability Insurance Plan, issued by The Prudential Insurance Company of America:

What is the Elimination Period?

The Elimination Period, sometimes referred to as the waiting period, is the amount of days of continuous disability before benefits are payable.

You have your choice of two Elimination Periods: 90 or 180 days. Before deciding, think about how much money you would have on hand for bills if you were to become disabled. If you can cover your living expenses for a while without a paycheck, maybe you’d prefer the 180-day option. To receive benefits more quickly, the 90-day option may be the best choice.

How do I change my monthly benefit amount?

To decrease your monthly benefit amount, call an NCMIC Insurance Services client representative at 1-800-932-9340. Your representative will send you a short form to complete.

You may apply to increase your monthly benefit amount at any time by completing an application. Keep in mind your monthly benefit amount cannot be more than 60% of your monthly earnings at enrollment. Also, at your first renewal after turning 60, the maximum monthly benefit amount is $2,000. Click here for an application, or call a client representative at 1-800-932-9340.

How do I change my Elimination Period?

To change your Elimination Period from 90 to 180 days, simply call NCMIC Insurance Services at 1-800-932-9340. A client representative will fax, email or mail you a brief form.

If you'd like to change your Elimination Period from 180 days to 90 days, an application is required. Click here for an application, or call a client representative at 1-800-932-9340.

How do I report a claim?

Call NCMIC Insurance Services, the exclusive agent, at 1-800-932-9340 after your disability occurs. A client representative will fax, email or mail you the necessary claim forms. Please don’t hesitate to call us with any questions you have.

I read that the monthly benefit amount I choose should not be more than 60% of my monthly earnings at enrollment when combined with any other group or individual insurance I have.  Why is this?

The limitation is not unique to the D.C. Long Term Disability Insurance Plan; it is an insurance regulation. It was imposed so people don’t profit from receiving disability benefits.

If you have group disability insurance, the most you can receive from disability benefits is 60% of your monthly earnings at enrollment. If you have individual disability insurance, you can receive up to 70% of your monthly earnings at enrollment.

Do I have to maintain my membership in NBAC to continue my disability plan?

Yes. The National Business Association for Chiropractors (NBAC) is the contract holder for the D.C. Long Term Disability Insurance Plan. Your membership in NBAC must remain active for your disability coverage to be in force.

Non-refundable membership dues are just $15.00 per year.

Is this plan available anywhere else?

No. The D.C. Long Term Disability Insurance Plan is only available to members of NBAC through NCMIC Insurance Services, the exclusive agent. You cannot get this coverage through an independent agent.

What disabilities are not covered by this plan?

The D.C. Long Term Disability Insurance Plan does not cover any disabilities caused by, contributed to by, or resulting from your: Intentionally self-inflicted injuries; active participation in a riot; or commission of a crime for which you have been convicted under state, provincial or federal law; or pre-existing condition or a Specified Condition. This plan does not cover disabilities due to war, declared or undeclared, or any act of war; or your pregnancy. (This does not include a complication of pregnancy.)

What is a Pre-Existing Condition?

Any disability for which you received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines, or followed treatment recommendation in the 12 months just prior to your effective date of coverage would not be covered for the first 24 months of coverage.

Are there any limitations?

Disabilities due to a sickness or injury which are primarily based on self-reported symptoms and disabilities due in whole or in part to mental illness have a limited pay period, as described in the Certificate of Coverage. All coverage is subject to Prudential’s approval of satisfactory evidence of insurability.

  This plan does include a pre-existing condition limitation. Benefits payable may be adjusted by other disability benefits for which you qualify.  
  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.