Disability plan with generous benefits for up to two years
	Financial security is important at any age, but your financial responsibilities can change and grow as you enter each new stage of life. The Earnings Guard™ plan ensures that you will be able to maintain your lifestyle in the event of an accident-related disability. With benefit amounts up to $5,000 per month, this plan is ideal for members who are concerned about fulfilling significant commitments such as a mortgage, car or college loans, or health care premiums. Benefits are available in as few as 30 days and last up to two years, so that you can focus on recovering from your injury without worrying about the financial security of your family. Get up to $5,000 per month in coverage Earnings Guard™ coverage helps replace your income if you suffer a disabling injury due to a covered accident and cannot work. The plan replaces up to 70% of your Basic Monthly Pay. The minimum benefit amount is $2,000 a month and the maximum is $5,000 a month. Benefits begin after you have been Totally Disabled for a waiting period of 30, 60 or 90 days (depending on the plan option you choose) and are payable for up to two years as long as you are under the regular care of a physician and satisfy the plan’s definition of Total Disability. For Residents of CA please note the following offset disclosure: Insured's monthly pre-disability earnings: $3,000.00 Long term disability benefits percentage x 60% Unreduced maximum benefit $1,800.00 Less Social Security disability benefit per month -$900.00 Less state disability benefit per month -$300.00 Total amount of long term disability benefit per month $600.00 The example of disability offsets may be coupled with a disclaimer, which explains that the example is for purposes of illustrating the effect of the benefit reductions and is not intended to reflect the situation of a particular claimant under the policy. Eligibility As a member of the Society of American Foresters, you and your spouse are eligible for coverage, as long as each person applying is under age 65, works at least 25 hours a week and lives in the United States. Successive Periods of Disability Periods of Disability due to the same or related medical causes; and separated by less than 6 months during which the Insured Person is Actively-at-Work; will be considered one Period of Disability. Periods of Disability separated by at least 6 months during which the Insured Person is Actively-at-Work will be considered separate Periods of Disability. Concurrent Disabilities Benefits during any Period of Disability as the result of more than one accident will be considered the same as if the disability resulted from only one cause. Definitions Basic Monthly Pay means the 12 month average of your regular monthly rate of pay, not including commissions, bonuses, overtime pay or any other fringe benefit or extra compensation, with such 12 month period ending on the last day of Active employment prior to becoming Disabled. Injury means bodily injury that results directly and independently of all other causes from an accident. Total Disability means a disability which wholly and continuously prevents an Insured Person from performing the substantial and material duties of his or her usual occupation. Actively -at-Work means you are performing all the regular duties of an occupation for wage or profit on a full-time basis (at least 25 hours per week). Affordable group premiums SAF has put the combined buying power of thousands of members to work for you. Click here to find out how little it can cost to get high-limit protection for your family’s financial future. Earnings Guard™ Plan rates Other valuable provisions of the plan • Portable protection Since the SAF Plan is not tied to your job, its protection can follow you throughout your career and after you retire. • Exclusions Disability due to sickness or disease is not covered under this policy. In addition, benefits are not paid for losses due to: intentionally self-inflicted Injury, suicide or attempted suicide, while sane or insane; war or act of war, whether declared or not; any Injury sustained while riding on, boarding or alighting from, any aircraft: a) as a pilot, crew member or student pilot; b) operated by any military authority (land, sea or air), unless it is a Military Transport Aircraft used for transport and operated by the United States Military Air Mobility Command (AMC) or an AMC type service of a national government recognized by the United States; or c) being used for tests, experimental purposes, stunt flying, racing or endurance tests; the commission or attempted commission of a felony by the Insured Person; Injury sustained prior to the effective date of coverage; Injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority. • Coverage remains in force to age 70 Once your Certificate of Insurance is issued, coverage will remain in force until you reach age 70. Your coverage cannot be cancelled on an individual basis as long as: -- your premiums are paid when due; -- you remain a member of SAF ; -- you are not actively at work (except by reason of disability covered by this plan); -- the Master Policy remains in force; -- your plan of benefits or class of insureds is not terminated under the Master Policy. Termination: Coverage of an Insured Person terminates on the earliest to occur of: a.) the date the Master Policy is cancelled; or b.) the Premium Due Date on or next following the date he or she 1.) attains the Policy Age Limit shown in the Schedule; or 2.) cease to be Actively-at-Work, except due to disability covered by the Policy; or c.) the Premium Due Date that any required premium contribution is not made, subject to the Grace Period; d.) with respect to the members of the Policyholder, the Premium Due Date on or next following the date he or she ceases to be an active member of the Policyholder; or e.) with respect to a Spouse, the Premium Due Date on or next following the date he or she is legally separated or divorced from the member. However, if a Spouse’s coverage would terminate because of the member’s death, coverage will continue until the Premium Due Date on or next following the member’s death unless continued in accordance with the Surviving Spouse Continuation provision. Termination will be without prejudice to any claim which began prior to the effective date of termination. • Effective date of coverage Your coverage will become effective on the first day of the month immediately following the date your activation form is received, provided you are actively at work and your initial premium payment has been received. If you are not actively at work on that date, your effective date will be postponed until you are actively at work for 3 consecutive months. Form SRP-1311 A (HLA) (5465) It’s easy to apply for the SAF Earnings Guard™ Plan Get instructions and an application 100% Satisfaction Guarantee Our satisfaction guarantee makes it possible for you to examine the SAF Earnings Guard™ Plan without risk. If you aren’t satisfied with the coverage, simply return your Certificate of Insurance within 30 days for a full refund, minus any claims paid. This is Limited Accident Only Coverage. THE SAF EARNINGS GUARD™ PLAN
	Endorsed and recommended by: Society for American Foresters 5400 Grosvenor Lane Bethesda, MD 20814-2198 www.safnet.org
	Administered by: JZA Affinity 7735 Old Georgetown Rd. #800 Bethesda, MD 20814 1-800-865-2727 x 1792
	Underwritten by: Hartford Life and Accident Insurance Company, Simsbury, CT About the Underwriter
	DISCLAIMER: This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGP-5465 as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states. Click here to apply for the SAF Earnings Guard™ Plan