Group Long Term Disability Income Insurance

If illness or injury prevented you from working, how well would you and your family do without a paycheck? If you are like most, it would be tough to support your lifestyle for any significant length of time. Take advantage of the Standard Issue Plan or our One-Step Express to get coverage in place easily today.

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The ABA Insurance Program offers 2 disability insurance products for members:


One-Step Express Disability Insurance

Group Disability Insurance

WHO
ABA members age 54 and under may apply up to $6,000 per month of coverage depending on their age through a quicker application process.* Choose from a 60-day, 90-day, 180-day or 365-day elimination period before benefits begin.

COVERAGE AMOUNT
Up to $6,000
in $100 increments

BENEFIT DURATION
The plan offers 2 maximum benefit durations.

• 5 Years
• Reducing Benefit Duration

ADDED BENEFITS

Own Occupation Protection

Own occupation means the occupation in which you are regularly engaged in at the time you become disabled. For attorneys, own occupation means the specialty in the practice of law in which you were engaged just prior to the date disability started..

Wavier of Premium

If you become totally disabled while receiving monthly benefits, we will waive your premium payments for the cost of any disability insurance defined as insurance for as long as you continue to receive benefits. When you stop receiving monthly benefits, premium must again be paid when due.

Family Care Incentive

If you work or participate in a rehabilitation program while disabled, reimbursement may be provided for up to $400 per month for eligible family care expenses incurred by you for each eligible family member during the first 24 months of benefit payments.

Increase your intial benefit amount.

Rehabilitation Program Incentive

If you participate in an approved rehabilitation program while disabled, we will increase your monthly benefit by 10%..

Standard Issue Disability Insurance

Group Disability Insurance

WHO
ABA 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

COVERAGE AMOUNT
Up to $12,000
in $100 increments

BENEFIT DURATION
The plan offers 2 maximum benefit durations.

• 5 Years
• Reducing Benefit Duration

ADDED BENEFITS

Own Occupation Protection

Own occupation means the occupation in which you are regularly engaged in at the time you become disabled. For attorneys, own occupation means the specialty in the practice of law in which you were engaged just prior to the date disability started..

Wavier of Premium

If you become totally disabled while receiving monthly benefits, we will waive your premium payments for the cost of any disability insurance defined as insurance for as long as you continue to receive benefits. When you stop receiving monthly benefits, premium must again be paid when due.

Family Care Incentive

If you work or participate in a rehabilitation program while disabled, reimbursement may be provided for up to $400 per month for eligible family care expenses incurred by you for each eligible family member during the first 24 months of benefit payments.

Increase your intial benefit amount.

Rehabilitation Program Incentive

If you participate in an approved rehabilitation program while disabled, we will increase your monthly benefit by 10%..

Get a Personalized Disability Consultation


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* If answers are unfavorable, full underwriting may be required. Coverage is subject to approval of the insurer.

You must be a member of the American Bar Association to qualify for this insurance plan. Coverage may not be available in all states. Like most group insurance policies, MetLife insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Any such exclusions, reductions or limitations will be described in the insurance certificate, the terms of which govern MetLife’s provision of coverage. You may also call your plan administrator, USI Affinity today at (855) 874-0264 for additional information.

Group policy No. 160667-1-G issued by Metropolitan Life Insurance Company, New York, NY.