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Disability Insurance Programs

The IIAT Advantage program through Kelsey National offers access to either Long Term Disability or Group All-In-One Disability coverages for you and your staff.

Long Term Disability Coverage

This endorsed program offered and underwritten by The United States Life Insurance Company is designed to give IIAT members and their employees security and peace-of-mind by providing an income you can count on if you are sick or injured and can't work for an extended period of time. It gives you excellent benefits at affordable group rates.

Eligibility and Enrollment

  • Available to firms that are IIAT members and active full-time employees who work 30 hours or more per week
  • Employees paid entirely or partly by commission are eligible if they work 30 hours or more per week and earn monthly at least 150 hours per month times the minimum wage.
  • New employees may be added without health condition evidence for amounts up to $5,000 after working three months if enrolled during the eligibility period.

Participation Requirements

  • Firms of 1-3 enrolling employees = 100% participation
  • Firms of 4 or more enrolling employees = 75%

Features

  • Maximum Insured Monthly Earnings $15,000 to $16,667
  • Earnings Payable 66 2/3% to 60%
  • Maximum Monthly Benefit $10,000
  • Benefit Duration—Sickness 5 years or to age 65
  • Benefit Duration—Accident To age 65
  • Elimination Periods Available: 60, 90 or 180 days
  • Survivor Income 6 months or none
  • Cost of Living Increase Included or Not Included

Group All-in-One Disability Coverage

This endorsed program offered through Kelsey National Corporation and underwritten by The United States Life Insurance Company is designed to give IIAT members and their employees disability income protection which combines the benefits of both short term and long term disability in one plan.

Eligibility and Enrollment

Same as for Long Term Disability (see above)

Participation Requirements

Firms of 2 or more enrolling employees

  • 100%, non-contributory or
  • 75%, contributory

Features

Pays up to $6,000 monthly income benefit, choice of plans, benefits during rehabilitation, competitive group rates, waiver of premium included.

  • Maximum Insured Monthly Earnings $10,000
  • % Earnings Payable 60%
  • Maximum Monthly Benefit $6,000
  • Benefit Duration: Sickness To age 65
  • Benefit Duration: Accident To age 65
  • Day Benefit Begins 8th day, 15th day, 30th day
  • Survivor Income 3 times last monthly benefit paid
  • Rate Guarantee 2 years


Kelsey National

Our aim is to provide top quality products and service to all our customers. We emphasize superior plan design, management, marketing and administration. Our commitment is to support our specialized product line with 5-Star Service -- Fast, Friendly, Accurate, Articulate and Thorough -- for our customers.

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Lisa Webb

Director of Advantage Markets