Disability Income

Disability Income

You spend a long time building up your sick leave, but one injury or illness can wipe it all out. With a Disability Income Plan from Professional Insurance Company you can receive a monthly income while you are unable to work due to a covered injury or sickness.

Key Benefits:

Pays in addition to sick leave or worker's compensation
May keep the coverage at the same rate by paying premiums when due even if you change jobs
Premiums waived after 90 consecutive days of a covered Disability
Choose from $500.00 per month up to $3,000.00 per month with a maximum of 60% of your gross salary
Maternity is Covered as any sickness!
Guaranteed approval for Employee *
Spouse can also be covered

Protect your most valuable asset…Your Income.

Disability Income underwritten by Professional Insurance Company pays a monthly benefit for Total Disability if you are unable to work due to a covered Injury or Sickness beginning with the 1st day for Injury and the 8th day for a covered Sickness. If you are hospitalized for a covered sickness, benefits will begin on the first day admitted.

Pays 50% of the monthly benefit for a covered Injury if Worker's Compensation pays.

Maximum Benefit Periods:

The longer you have this plan, the longer your maximum benefit period will be. Your maximum benefit period is based on the number of policy years your policy has been in force:

Policy Year . . . . . . . . . . . .1st year 2nd year 3rd year 4th year 6th and over

Maximum Benefit Period . .12 months 13 months 14 months 15 months 18 months

Lower cost plans with shorter benefits also available

1st Day - Accident 8th Day - Sickness or Maternity 1 Year Benefit Period
Your gross income	Maximum Benefit you can choose	Premium (Semi-monthly)
835	$500.00	13.75
1,000	$600.00	16.50
1,167	$700.00	19.25
1,335	$800.00	22.00
1,500	$900.00	24.75
1,666	$1,000.00	27.50
1,833	$1,100.00	30.25
2,000	$1,200.00	33.00
2,166	$1,300.00	35.75
2,333	$1,400.00	38.50
2,500	$1,500.00	41.25
2,666	$1,600.00	44.00
2,833	$1,700.00	46.75
3,000	$1,800.00	49.50
3,166	$1,900.00	52.25
3,333	$2,000.00	55.00
4,166	$2,500.00	68.75
5,000	$3,000.00	82.50

Underwritten by
Professional Insurance Company

Sun Life Financial - Professional Insurance Company

175 Addison Road

Windsor, CT 06095

This policy contains Limitations and Exclusions. See the policy for details.

First Hospital Confinement Rider

(HRFHC) Pays the Benefit Amount for the insured’s first hospital confinement for a covered injury or sickness during the calendar year based on the total number of days of hospital confinement during the period of confinement. The benefit is not cumulative and will not exceed $5,000.00

One day. . . . . . . . . . $500.00
Two Days. . . . . . . . $1,000.00
Three Days . . . . . . $2,000.00
Four Days . . . . . . . $3,000.00
Five Days . . . . . . .. $4,000.00
Six or more days . .$5,000.00

Emergency Accident Rider

(HREA) Pays the Benefit Amount selected for Emergency Care due to a covered injury rendered within 72 hours by a physician in a hospital emergency room or a physician’s office. Pays for up to 4 different covered injuries for each calendar year per insured category. (4 for employee, 4 for spouse, and a combined total of 4 for all children.)

$ 100.00 Benefit Amount

Optional Rider

Employee 6.82 Spouse 6.82 Children 4.07

Disability Policy Form HPDI2002 contains Exceptions and Limitations as well as terms under which the coverage can be continued or discontinued. For complete details including availability and Exceptions and Limitations, contact the insurance producer, David Dearie.

For use in Louisiana only.

* Guaranteed approval is a limited time offer. Approval amount is up to $2,000.00 per month. Disclosed Pre-existing conditions are covered after 12 months

PRIVACY POLICY: Any information you send to me will be kept confidential and not shared with anyone without your request to do so.

SLPC 20822 9/09 (Exp. 09/11)