DISABILITY INCOME - GUARANTEED ISSUE

Paycheck Protection Coverage
Our accident disability income plan for white-collar GEA members and their employees is offered through Hartford Association Group Trust, the third largest life insurance group in the nation, based on assets, and one of the fastest-growing major life organizations.

• Eligibility
• Eligibility Restriction
• Benefit Limits
• Maximum Payment Period
• Waiting Period
• Policy Age Limit
• Rates for All Ages
• Effective Date of Coverage
• Coverage Termination
• Surviving Spouse Continuation
• Successive Periods of Disability
• Concurrent Disability
• Exclusions and Limitations
• About the Insurance Company

Eligibility

• Eligible Members
  Each active member of GEA and their employees who are under age 65; reside in the United States; are Actively-at-Work (25 hours or more per week) at the time of application.
  
  
• Eligible Spouse
  An Eligible Member's spouse who is under age 65; resides in the United States; is Actively-at-Work (25 hours or more per week) at the time of application; and is not legally separated or divorced from the Eligible Member.
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Eligibility Restriction
If a husband and wife are both Eligible Members, only one may apply for coverage as a member of the Policyholder with the other covered as a Spouse.

• Important Facts About the Coverage
  If an Insured Person becomes Totally Disabled as the result of an injury while covered under the Policy, we will pay the Monthly Benefit Amount due for the period of Total Disability. The period of Total Disability must require the regular care of a physician.
  
  We will not pay benefits for any part of a period of Total Disability that is applied to the Waiting Period or exceeds the Maximum Payment Period.
  
  The Waiting Period and Maximum Payment Period apply separately to each period of Total Disability.
  
  Total Disability means disability which wholly and continuously prevents an Insured Person from performing the substantial and material duties of his or her usual occupation.

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Benefit Limits
Each insured may be covered for a monthly benefit amount of $2,000.00 or $3,000.00, subject to payment of the required premium and not to exceed 70% of salary.
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Maximum Payment Period: Two years
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Waiting Period: 30, 60, or 90 days
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Policy Age Limit: 70
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Rates for All Ages
The monthly rate for the benefits listed on this page follows:

Rates will not be changed unless they are changed for all insureds in your classification.
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Effective Date of Coverage
Each Eligible Member or Employee or Spouse who gives us an Enrollment Form and pays the required premium for his or her coverage becomes an Insured Person on the later of the Policy Effective Date or the first day of the month on or next following the date we receive the request; subject to the Deferred Effective Date Provision.

If an Eligible Member or Employee or Spouse is to become covered under the policy or covered for increased benefits under the Policy and is not Actively-at-Work on that date, he or she will not be so covered until the first day of the month on or next following the date he or she is Actively-at-Work.
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Coverage Termination
Coverage of an Insured Person terminates on the earliest to occur of the date the Policy is canceled or the Premium Due Date on or next following the date he or she attains the Policy Age Limit shown in the Schedule or ceases to be Actively-at-Work, except due to disability covered by the Policy or the Premium Due Date he or she fails to pay any required premium contribution, subject to the Grace Period.
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Surviving Spouse Continuation
If the member dies while his or her Spouse is covered under the policy, the Spouse may continue his or her coverage. We must receive the Spouse's request and required premium to continue the coverage within 31 days of the premium due date next following the member's death.

However, this will not continue the Spouse's coverage beyond a date the coverage would normally cease under the Termination provision or the premium due date next following the date the Spouse remarries.
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Successive Periods of Disability
Periods of Disability due to the same or related medical causes and separated by less than 6 months during which the Insured Person is Actively-at-Work will be considered one Period of Disability. Periods of Disability separated by at least 6 months during which the Insured Person is Actively-at-Work will be considered separate Periods of Disability.
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Concurrent Disability
Benefits during any Period of Disability as the result of more than one accident will be considered the same as if the disability resulted from only one cause.
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Exclusions and Limitations
This Policy does not cover:

• intentionally self-inflicted injury, suicide or attempted suicide, while sane or insane.
• war or act of war, whether declared or not.
• any Injury sustained while riding on, boarding or alighting from, any aircraft as a pilot, crew member or student pilot; operated by any military authority (land, sea or air) unless it is a Military Transport Aircraft used for transport and operated by the United States Military Airlift Command (MAC) or a MAC type service of a national government recognized by the United States; or being used for tests, experimental purposes, stunt flying, racing, or endurance tests.
• the commission or attempted commission of a felony by the Insured Person.
• injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority.

We will refund pro rata portion of any premium paid for the Insured Person while he or she is in the Armed Forces on full-time active duty for a period of two months or more. Written notice must be given to us within 12 months of the date the Insured Person enters the Armed Forces.
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About the Insurance Company
The Hartford Life Insurance Company is the principal life insurer of Hartford Life, Inc., the third largest life insurance group in the nation based on assets, and one of the fastest-growing major life organizations of the decade.

Four independent rating organizations - A.M. Best, Duff & Phelps, Moody's and Standard & Poor's (S&P) - evaluate an insurer's overall financial picture, the strength of its management, its reserves for pending claims and for claims not yet reported, the types of policies it writes and its claim-paying history. Hartford Life has consistently received high ratings.

Coverage is not available in all states.