Disability Income
Disability Income Insurance protects your most valuable asset, your ability to earn an income. Especially in dual-income families where both incomes are needed, one-income households, or situations where your employer's plan isn't enough. Disability Income Insurance offers protection through benefits that provide a portion of your pre-disability income.

Non-Cancellable and Guaranteed Renewable
Your policy may be purchased as either a non-cancellable and guaranteed renewable policy or as a guaranteed renewable policy. A non-cancellable policy cannot be changed unilaterally by the Company. The premiums and provisions are guaranteed once the contract is issued. A guaranteed renewable policy cannot be canceled nor have its terms, other than premiums, changed by the Company if timely payment of premiums to the first anniversary after your 65th birthday have been paid. Premiums may only be changed by class and may be subject to approval by the appropriate regulatory agency.

Beginning Date
Disabilities are not always measured in consecutive days. Blauch and Associates allow an extended period of time to accumulate days of total or partial disability toward the Beginning Date of benefits. Days of disability due to different causes will be accumulated to satisfy the Beginning Date.

Benefit Period
It's hard to predict the length of time you may need to receive disability benefits. Blauch and Associates offers Maximum Benefit Periods of two years, five years, to age 65 or to age 70. Most people choose to purchase coverage that would provide disability benefits to age 65 to insure against a long-term disability.

Total Disability Options
Blauch and Associates offers one of the most comprehensive and competitive Disability Income insurance policies available. We understand individual needs differ, which is why we offer four alternative definitions of Total Disability. You have the flexibility, depending upon your occupation classification, to select the definition that meets your specific needs and best fits your budget. We recognize the value of Partial Disability coverage to an insured who, as a result of a disability, is only able to work part-time and thereby incurs a loss of earned income. Therefore, we have made this a standard feature in our contract.

Four-Tiered Definition of Total Disability

  • Any Occupation Definition of Total Disability Option - During the first 24 months following the Beginning Date, you are totally disabled when you are both unable to perform the principal duties of your regular occupation and not gainfully employed in any occupation. After the first 24 months following the Beginning Date, you are totally disabled when you are both unable to perform the principal duties of any occupation for which you are reasonably fitted by education, training or experience and not gainfully employed in any occupation.

  • Base Contract Definition - You are totally disabled when you are both unable to perform the principal duties of your regular occupation and not gainfully employed in any occupation.

  • 2-Year Initial Period Option* - During the first 24 months of disability following the Beginning Date, you are totally disabled when you are unable to perform the principal duties of your regular occupation. After the first 24 months of disability following the Beginning Date, you are totally disabled when you are both unable to perform the principal duties of your regular occupation and  not gainfully employed in any occupation.

  • Extended Initial Period Option** - You are totally disabled when you are unable to perform the principal duties of your regular occupation.

*Available to 4A & 5A &6A Occupation Classes in the Non-Medical Markets and all Medical Market occupations.
**Available to 5A and 6A Occupation Classes in Non-Medical Market only.

Partial Disability Benefit
A proportionate benefits helps compensate for a loss of earned income caused by the Insured's partial disability. Some of the features of this benefit include:

  • Your choice of cash or accrual accounting

  • Earned income prior to disability is indexed when determining the Proportionate Benefit.

  • Loss of Earned Income is not required prior to the Beginning Date and for the first six months in which Proportionate Benefits are payable during partial disability.

  • If you have at least an 80% Loss of Earned Income, the Proportionate Benefit amount payable will be 100% of the Full Benefit.

Transition Benefit
It can take time to restore your earnings after a total or partial disability. Blauch and Associate's Transition Benefit is payable based on Loss of Earned Income for up to 12 months after you've returned to continuous full-time work.

Presumptive Total Disability Benefit
You are automatically considered totally disabled for specified disabilities. The Full Benefit starts with the date of the loss and is payable for as long as the loss continues during your lifetime. Presumptive disability benefits are payable even if you are able to work.

Waiver of Premium
Premiums are waived during disability from 90 days after the start of a disability. Premiums due and paid during this time will be refunded. An annual premium will be waived on each policy anniversary and premiums are waived beyond the benefit period if you are still disabled.

Waiver of Premium will continue for the duration of the disability, regardless of the Maximum Benefit Period; however, Waiver is subject to limitation while the Insured is outside the United States and the Limitation for Mental Disorder and Substance Abuse and Dependency.

Optional Benefits (1)

  • Future Increase Benefit - Inflation protection before and after disability.
  • Indexed Income Benefit - Inflation protection during a disability up to 6% compounded annually with no limitation on total coverage, up to age 65.
  • Additional Purchase Benefit - Guarantees the purchase of additional disability insurance, subject to financial insurability. The Company will not refuse to issue additional coverage because of changes in the Insured's health, activities or occupation.
  • Social Insurance Substitute Benefit (2) - Supplements your disability benefit if Social Security does not pay the Maximum Family Benefit, and no benefits are payable under a State Disability Insurance program. Also supplements your disability benefit if Social Security pays no benefits and benefits are payable under a State Disability Insurance program.
(1)The Optional Benefits described here are available at an additional cost and may not be available in all states.
(2) In lieu of this benefit in New York, the Social Insurance Substitute Benefit (NY) is available. The SISB (NY) supplements your disability benefit in the event Social Security does not pay the Maximum Family Benefit.
The policies described here refer to policy forms RR.NCDI.(0101) and RR.GRDI.(0101), RRNCDI.ML.(0101), RR.GRDI.ML.(0101) which may not be available in all states. In addition, depending on the state where the policy is purchased, policy features may vary from what is described here. For costs and complete details of coverage, contact a Blauch and Associates representative.
Exclusions and limitations include pre-existing conditions. There will be no benefits for a disability or loss that results from an accident that occurred within two years before the Date of Issue; or results from a sickness that existed within two years before the Date of Issue; or if the accident or sickness was not disclosed or was misrepresented in the application.
A sickness is considered to have existed if symptoms were present that would have caused a prudent person to seek diagnosis, care or treatment; or if medical advice or treatment was recommended or received from a health care practitioner.
There will be no benefits for a disability or loss that is caused or contributed to by an act or incident of war, declared or undeclared, the suspension, revocation or surrender of a professional or occupational license or certificate or the commission of or attempt to commit a felony. There will be no benefits for a disability or loss for any period the Insured is incarcerated or is excluded from coverage by an Agreement of Limitation of Coverage.
Benefits will not be provided for more than 24 monthly benefit periods in total for the life of the policy for all disabilities or losses primarily due to any mental disorder, or substance abuse or dependency. This limitation will not apply if, at the end of 24 months of benefits, the Insured is confined in a hospital and is continuously confined thereafter.