Long Term Disability Plan Information

• Eligibility

  This plan is for members of the National Business Association for Chiropractors (NBAC). 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 when you apply for the DC Long Term Disability Insurance Plan issued by The Prudential Insurance Company of America.

• Coverage

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

  Working at Least 30 Hours Per Week	Not Working at Least 30 Hours Per Week
  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.

• Benefit Amounts

  Monthly benefit amounts from $500–$8,000 are available. 

  You should choose an amount that is not more than 60% of your monthly earnings at enrollment when combined with any other group or individual disability insurance you have. Determine your annual income by multiplying your monthly earnings by 12.

  Monthly earnings
  Your average gross monthly income as reported on your IRS federal income tax returns for the two-year period just prior to your date of enrollment. It includes salary, profits, fees, commissions, bonuses, and other compensation for professional services. It does not include investment returns, rent, royalties or other like income not directly produced by your occupation. Earnings are determined after deduction of normal business expenses and losses, but before deduction of any income taxes.

  Note: Your monthly benefit amount can remain the same level all the way to your first renewal date after age 60, as long as it does not exceed 60% of your monthly earnings when combined with other group or disability insurance income. On the first renewal date after age 60, your maximum monthly benefit amount will decrease to $2,500. (Your premium will be adjusted accordingly.)

  We recommend you talk with your personal tax advisor or financial planner for assistance in choosing your monthly benefit amount and to discuss how benefits received under this plan may be taxable.

• 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 DC 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 DC. NBAC fought for this because NBAC understands the importance of regular chiropractic care.

• 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.

• What If the Plan Is Not What I Expected?

  The DC 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.