Help protect your family's earnings from life's unexpected events
	Most likely, you have insured your family’s valuable assets, such as a home or car. But your most important asset is your ability to earn an income. This asset grows in value and importance each year, as your career advances and your family responsibilities grow. If an unexpected accident or illness prevents you from working, your home and future security could be at risk. The Long Term Disability Insurance plan helps protect your earning potential by providing a regular monthly income if you are totally disabled. The SAF Long Term Disability Insurance provides a steady income following an accident or illness According to the Social Security Administration, a 20-year-old worker has a 3-in-10 chance of becoming disabled before reaching retirement age†. If this happens to you or your spouse*, SAF Long Term Disability Insurance can replace up to 60% of your average monthly earnings for the duration of your disability (until age 65), allowing you to help maintain your current lifestyle. †http://www.ssa.gov/dibplan/index.htm This plan may be ideal for: Members under age 60. Provides coverage to age 65. Members who work full-time. You must work a minimum of 30 hours per week to be eligible. Single or married members. Provides coverage up to 60% of your average monthly income up to a maximum benefit of $5,000 per month. Here are some advantages of the Long Term Disability Insurance plan: A regular monthly income. You can apply for coverage up to 60% of your average monthly income— up to the maximum benefit of $5,000 per month. A monthly benefit is not available if the amount of such benefit, when combined with the total of any other disability insurance you may have or for which you may be applying, would exceed 60% of your average monthly income. A choice of waiting period. You can choose 60, 90, or 180 day waiting periods (time from the day you become totally disabled to the day your monthly benefit payments begin). A choice of benefit period. Choose to receive benefits for up to five years or up to age 65. Waiver of premium for disability. Spouse* Coverage. Insure your spouse, who is under age 60 and actively performing the full time duties of his/her occupation, to help protect your full family income. All SAF Group Insurance Plans provide: Affordable group rates. The group buying power of thousands of SAF members puts affordable coverage within your reach. 100% satisfaction guarantee. There's no risk when you apply. Quick-and-easy, 3-Step application process. Click here for more details, including elegibility, costs, exclusions, renewability, limitations and terms of coverage of the SAF Long Term Disability Income Plan. Get an application and instructions
	Part of the SAF Group Insurance Program Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 Policy Form GMR-FACE *All References to Spouse include Domestic Partner