FAQs

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

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 $2,500. 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. 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.

  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.