ASA Insurance offers group disability income plans that can help protect your most valuable asset – your ability to earn an income.

An accident or unexpected illness could cause you to be absent from work for months. How would an extended lapse in income affect your standard of living?

Long-Term Disability Insurance can help you meet your financial obligations like mortgage payments, student loan debt, retirement savings, college education funds, and general monthly living expenses. And your benefits are always paid regardless of other coverage you may have.

Coverage Overview

• ASA members under the age of 65 may apply for up to $12,000 per month in increments of $100.
• Choose from a 60-day, 90-day, 180-day or 365-day elimination period before benefits begin.
• Unlimited own occupation to age 65. Own occupation means the occupation in which you are regularly engaged in at the time you become disabled.
• Termination age up to age 75.

Valuable Built-in Features:

• Cost of Living Option (COLA): May help offset cost of living increases by increasing your benefit payment yearly.
• Waiver of Premium: Disability premiums may be waived while benefits are being paid.
• Family Care Incentive: Provides reimbursement for eligible family care expenses (e.g., child care, elder care) if you work or participate in an approved rehabilitation program while disabled.
• Moving Expense Incentive: If you participate in a rehabilitation program while disabled, reimbursement may be provided for expenses incurred to move to a new residence if recommended as part of the rehabilitation program.
• Rehabilitation Program Incentive: Increases monthly benefits when you participate in an approved rehabilitation program while disabled.
• Work Incentive: 100% of your pre-disability earnings may be received if you work while disabled.