Specifically for D.C.s

It's important to help protect your ability to receive an income with disability insurance. However, you want to make sure you select a plan that takes your profession as a chiropractor into consideration.

The D.C. Long Term Disability Insurance Plan, issued by The Prudential Insurance Company of America, does exactly that. It's not a plan designed for all professions. Instead, it's available exclusively to D.C.s, so you can be sure it is geared to your unique needs. Here's how:

Sponsored by NBAC

The contract holder for this plan is the National Business Association for Chiropractors (NBAC). NBAC was formed to help D.C.s with the business aspects of their personal planning and chiropractic career. NBAC would not offer it as a member benefit if it wasn't first-rate protection.

To learn more about NBAC, click here.

Routine Preventative/Wellness Care is NOT considered a Pre-existing Condition

Some disability policies treat elective care such as chiropractic care as evidence and treatment of a pre-existing condition, and will exclude coverage related to such care for a certain length of time.

With the D.C. Long Term Disability Insurance Plan, 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.

NCMIC Insurance Services is the Exclusive Agent

When you call with questions, you deserve to talk with someone who understands chiropractic. NCMIC Insurance Services has provided D.C.s with personalized, knowledgeable service since 1946.

 

 

 

 

 

Remember ...

The D.C. Long Term Disability Insurance Plan is only available through NCMIC Insurance Services.

You cannot get it anywhere else.

  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.

0281908                                                                                                                                                      0281908-00001-00