Disability Income Insurance FAQ

Policy AGP-5683

Is this coverage occupation specific?


Do I need to be an ACEP member to apply?

Yes, you must be and remain an ACEP member to continue coverage.

What premium modes can I select from?

We offer Direct monthly ACH, Monthly, Quarterly, Semi-Annual and Annual.

Are the premiums level?

The premiums are level for five years and will change at the 0 or 5 birthdays (example: age 30, 35, 40, 45).

When applying for coverage will I need to get a physical?

Blood and urine tests may requested along with an attending physician statement (APS) and medical records.

If I go on disability, when does the Waiver of Premium begin?

The Waiver of Premium begins the first day of the month following the start of the payment period.

What is involved in submitting a claim?

Please contact HBI and a claim form will be mailed to you immediately. Once the claim form is completed, return to HBI and a claim representative from The Hartford1 will be assigned.

What's covered?

This plan provides monthly Disability Income benefits, including a Return to Work Incentive, Recurrent Disability Benefit, and Survivor Income Benefit! It covers most disability due to accidental Injuries, Sickness or disease. 

Who's eligible?

As a member of the American College of Emergency Physicians, you're eligible to apply for coverage. Applicants must be under age 65, Actively-At-Work at the time of application, and residing within the United States. To qualify for benefits, a period of Total Disability must begin while you are covered under this policy, and you are under the regular care of a physician for that condition. The physician cannot be a family member.

When will my coverage become effective?

Your coverage will become effective on the first day of the month immediately following the date your application is approved by Hartford Life and Accident Insurance Company, provided you are Actively-At-Work and your initial premium payment has been received. If you are not Actively-At-Work on that date, your effective date will be postponed until you are Actively-At-Work for 3 months.

Can my coverage be canceled?

Your coverage can only be canceled if:

  1. you are no longer a member of American college of Emergency Physicians;
  2. you do not pay your premiums;
  3. you cease to be Actively-At-Work (except by reason of disability covered by this plan);
  4. you attain the policy age limit; or
  5. the policy terminates.

What are the benefit and waiting periods?

You may apply for monthly benefits in $100 increments from $500 up to $10,000 per month. See the Disability calculator to calculate the amount of disability income insurance you're eligible to purchase.




Benefits begin after you have been totally disabled for 30, 90 or 180 days, depending on the plan you select. The Elimination Period is the number of consecutive days at the beginning of a period of Total Disability which must elapse before benefits are payable.

Payment Period Elimination Period
Plan I - To Age 65 Plan:
                  For Total Disability Beginning:                
a. Before Age 63                   To Age 65 90, 180 or 365 days
b. Age 63 or over, but under 65                   2 Years 90, 180 or 365 days
Plan II - 5 Year Plan:
                  For Total Disability beginning:                
a. Before Age 63                   5 Years 30, 90 or 365 days
b. Age 63 or over, but under 65:                   2 Years 30, 90 or 365 days

Is there any Waiver of Premium provision?

Yes - Future premiums will be waived beginning the first day of the month following the start of disability payments and for as long as disability benefits are payable.

What is a Total Disability?

A disability that results in a loss of earnings of 80% or more is considered to be a Total Disability. You'll continue to qualify for benefits up to Age 65 (Plan I), or for up to 5 years (Plan II), if you cannot: perform the substantial and material duties of your own regular occupation; are under the care of a licensed physician other than yourself; and, are not gainfully employed in any occupation for which you are or become reasonably suited in terms of education, training or experience.

What if you return to work after a disability but suffer a relapse?

Periods of Recovery during the Elimination Period will not interrupt the Elimination Period, if the number of days You return to work as an Active Employee are less than one-half (1/2) the number of days of Your Elimination Period.

Any day within such period of Recovery, will not count toward the Elimination Period.

After the Elimination Period, if You return to work as an Active Employee and then become Disabled and such Disability is:
1) due to the same cause; or
2) due to a related cause; and
3) within 6 months of the return to work;
the prior Period of Disability prior to Your return to work and the recurrent Disability will be treated as a new Disability, provided The Policy remains in force.

If You return to work as an Active Employee for 6 months or more, any recurrence of a Disability wil be treated as a new Disability.  The new Disability is subject to new Elimination Period and a New Maximum Duration of Benefits.

What's not covered under this plan?

Benefits are not paid for losses due to war or acts of war, whether declared or not; intentionally self-inflicted Injury, suicide or attempted suicide, while sane or insane; pregnancy or childbirth, except Complications from Pregnancy; Injury sustained while committing or attempting to commit a felony; losses due to Sickness contracted or Injury sustained while on full-time active duty as a member of the armed forces of any country or international authority; or Injury or Sickness arising out of or in the course of employment which is compensable under any Workers' Compensation or Occupational Disease Act or Law.

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.

1The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford
Life and Accident Insurance Company

Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.