Earnings Guard Insurance Plan

This insurance program is not available to residents in all states.

What is Earnings Guard Insurance Coverage?

Earnings Guard Coverage is a Guaranteed Issue Disability Income Insurance policy. It helps provide 24-hour-a-day protection worldwide for accident only disabilities. Benefits are paid regardless of any other insurance you may have, and is available to ACEP members, employees, spouses or domestic partners under age 65 who are actively working (25+ hours per week), and are residents of the United States. 

Member Plan Option

Select the benefit amount and Waiting Period of your choice. Premiums are monthly.

  60 Day Waiting Period 90 Day Waiting Period
$2,000 Monthly Benefit $8.00 $6.00
$3,000 Monthly Benefit $12.00 $9.00

Spouse Plan Option

Select the benefit amount and Waiting Period of your choice. Premiums are monthly.

  60 Day Waiting Period 90 Day Waiting Period
$2,000 Monthly Benefit $8.00 $6.00
$3,000 Monthly Benefit $12.00 $9.00

Rates &/or benefits may be changed on a class basis. Billing Mode Options: Monthly, Quarterly, Semi-Annual or Annual

Offset Provision

Benefit cannot exceed 70% of Basic Monthly Pay.

Offset Provision Example

This example is for purposes of illustrating the effect of the benefit reductions and is not intended to reflect the situation of a particular claimant under the Policy.

Insured's Monthly Basic Monthly Pay $3,000
Long Term Disability Benefits Percentage x 70%
Unreduced Maximum Benefit $2,100
Total Amount of Long Term Disability Benefit Per Month $2,100

Benefit Period

This plan will pay up to two years on a claim.

Waiting Period

Waiting Period means the number of consecutive days at the beginning of any on period of Total Disability which must elapse before benefits are payable. In this plan you can choose from a 60 or 90 day Waiting Period.

Policy Age Limit

Age 70

Effective Date

Your and your dependent's coverage will become effective the first day of the month on or next following the date we receive your Enrollment Form and premium payment. If you are not Actively-at-Work on that date, your coverage will only become effective when you are once again Actively-at-Work for three consecutive months.


Your coverage will end once you reach age 70, cease to be Actively-at-Work - except due to disability under the Policy, or a member of ACEP or fail to pay your premiums when due.

This Policy does not cover:

  1. Intentionally self inflicted Injury, suicide or attempted suicide, while sane or insane;
  2. war or act of war, whether declared or not;
  3. any Injury sustained while riding on, boarding or alighting from, any aircraft: as a pilot, crewmember 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 Air Mobility Command (AMC) or an AMC type service of a national government recognized by the United States; or being used for tests, experimental purposes, stunt flying, racing or endurance tests;
  4. the commission or attempted commission of a felony by you;
  5. sickness or disease;
  6. Injury sustained prior to the effective date of coverage;
  7. Injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority.


Injury means bodily injury resulting directly from an accident and independently of all other causes which occurs while your coverage under this Policy is effective and which results in your Total Disability.

Total Disability:

Total Disability means a disability which wholly and continuously prevents you from performing the substantial and material duties of your usual occupation.

Basic Monthly Pay:

Basic Monthly Pay means the 12 month average of your regular monthly rate of pay, not including commissions, bonuses, overtime pay or any other fringe benefit or extra compensation, with such 12 month period ending on the last day of Active employment prior to becoming Disabled.

Successive Periods of Disability Limitation:

Periods of Disability a) due to the same or related medical causes; and b) separated by less than 6 months during which you are Actively-At-Work; will be considered one Period of Disability.

Periods of Disability separated by at least 6 months during which you are Actively-At-Work will be considered separate Periods of Disability.

Concurrent Disabilities:

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.


You have 30 days from your effective date of coverage to look over the program and discuss with your family and advisors. If you are not satisfied, you may return your Certificate within 30 days for a full premium refund, less any claims paid.

Print PDF and complete enrollment form & fax to 605-444-7017.

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGP-5605 as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as by the New York State New York Department of Financial Services.


Underwritten by:
Hartford Life and Accident Insurance Company
Hartford, CT 06155

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

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