Disability Insurance Programs

Long Term Disability

This endorsed program offered through Kelsey National Corp. (800.366.5656) and underwritten by The United States Life Insurance Co., an American General Co., 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

Pays up to $10,000 monthly income benefit, choice of plans, benefits during rehabilitation, competitive group rates, waiver of premium included.

Plan Benefits	Range of Options
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 Period	60, 90 or 180 days
Survivor Income	6 months or none
Cost of Living Increase	Included or Not Included

Group All-In-One Disability

This endorsed program offered through Kelsey National Corp. (800.366.5656) and underwritten by The United States Life Insurance Co., an American General Co., 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.

Plan Benefits	Range of Options
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