Plan Basics

The D.C. Long Term Disability Insurance Plan, issued by The Prudential Insurance Company of America, is not meant to be a one-size-fits-all plan for the needs of every profession. Instead, it includes benefits to meet the unique needs of Doctors of Chiropractic.


This plan is for members of the National Business Association for Chiropractors (NBAC) only. As a member, you are eligible to apply if you are

  • Under age 60
  • Working at least 30 hours per week
  • Reside in the U.S.

Your NBAC membership must remain active for your disability coverage to be in force.

Not currently a member? You may become a member through the  D.C. Long Term Disability Insurance Plan application process. 


Coverage begins after you are approved and paid the first premium.  Your coverage start date is dependent on the following:

Working at Least 30 Hours Not Working at Least 30 Hours
Coverage will start the first day of the month. Coverage will start the first of the month after you resume working at least 30 hours a week.


Monthly benefit amounts from $500–$8,000 are available. Choose the right amount for your needs.

Elimination Period / Waiting 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 2 Elimination Periods:

  • 90 days 
  • 180 days

Disabilities Not Covered

The 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.)

Receiving Benefits

While some disabilities may last only a few weeks, others may last months, or even years. The D.C. Long Term Disability Insurance Plan can pay you monthly benefits all the way to age 65.

You will receive benefits for 2 years if you are unable to practice chiropractic due to your disability. If you remain disabled after two years, you will receive benefits to age 65 if you cannot perform the duties of any gainful occupation for which you are qualified.

Collecting Benefits if Disabled But Still Working

We understand you may be partially disabled and still able to work part-time. In that case, you can still receive a portion of your monthly benefit amount.

Pre-Existing Conditions

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.

Routine preventative/wellness care is not considered a pre-existing condition, as long as that care was not intended to treat an existing condition. This includes care by a licensed D.C. NBAC fought for this because NBAC understands the importance of regular chiropractic care.


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.

What If the Plan Is Not What I Expected?

The D.C. Long Term Disability Insurance Plan comes with a satisfaction guarantee. Once you receive your Certificate of Coverage, read it over carefully. If the plan does not meet your expectations, return it within 30 days of receipt.  Any premiums paid will be refunded to you.

Long Term Disability Insurance

Get a Quote

Call us for helpful support at 800-769-2000 ext. 8271

  *The Disability Divide: Employer Study, Council for Disability Awareness, 2013. Online at:
  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.