SAF Long Term Disability Income PLAN DESCRIPTION
	Get up to $3,000 per month in coverage
	You can apply for coverage up to 60% of your basic monthly pay — up to the maximum benefit of $3,000 per month — depending on the amount you would need to cover your family’s monthly expenses. Use this formula to calculate the maximum monthly benefit available to you under the SAF Long Term Disability Income Plan: Your basic monthly pay _____ Multiplied by 60% x .60 Equals your Maximum Benefit =_____ If you are self-employed, your basic monthly pay means your average net monthly income from the personal practice of your professional or personal conduct of your main business. This average is based on net income for the 12 months or 24 months before determination is made, whichever produces the higher average. If you are not self-employed, your basic monthly pay means your regular monthly rate of pay in effect on the last day of active employment before being disabled, not counting commissions, bonuses, overtime pay, or any other fringe benefit or extra compensation. 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. Your choice of waiting periods lets you tailor your coverage With the SAF Plan, there is a waiting period from the day you become totally disabled to the day your monthly benefit payments begin. You can choose from 60, 90, or 180 day waiting periods to match your needs and help keep your cost of coverage as low as possible. You decide how long your monthly benefits can last Once your waiting period is satisfied, the length of time your monthly benefits will be paid is determined by the Plan Option you chose when you applied. You can select from two Plan Options: Five Year Accident and Sickness Option This Option provides benefits for up to five years. For disabilities occurring on or after age 60, benefits will only be payable up to age 65. Accident and Sickness To Age 65 Option This Option provides benefits up to age 65. Benefits payable for Total Disability Total Disability means that you are unable to perform the substantial and material duties of your regular occupation because of injury or sickness. After monthly benefits have been payable for 24 months, you will be considered disabled if you are unable to perform all the material duties of any occupation for which you are or may reasonably become qualified based on your education, training, or experience. Coordination with other disability benefits The amount of monthly benefit you select is the maximum benefit you may receive under the SAF Plan. Your monthly benefits will be reduced by any other benefits you are entitled to receive from: temporary or permanent disability benefits under a Workers’ Compensation law, occupational disease law, or similar law; government law or program that provides disability or unemployment benefits as a result of your job, including statutory disability plans; plan or arrangement of coverage as a result of employment by or association with an employer or as a result of membership in or association with any group, association, union, or other organization; individual insurance policy where the premium is wholly or partially paid by an employer; “no-fault” automobile insurance plan; benefits under the United States Social Security Act, the Canada Pension Plan, the Quebec Pension Plan, or similar plan or act that you or your spouse and children are entitled to receive because of your disability. If there is other group disability insurance that applies to the same claim for disability and contains the same or similar provision for reduction, each policy shall be liable for its pro rata share. We will assume that you are receiving all the benefits to which you are entitled unless you provide proof otherwise. Affordable group premiums The group buying power of thousands of SAF members puts affordable, quality disability coverage within your reach. Click here to determine your cost for the level of protection you want for yourself and your family. Long Term Disability Income Plan rates Other important provisions of the plan Coverage can continue to age 65 As long as you are working full-time at the duties of your job or profession, pay your premium when due, remain a member of SAF , and the Group Master Policy remains in force, your coverage cannot be cancelled until the renewal date following your 65th birthday. Waiver of premium while disabled Your premium payments will be waived after you have been receiving total disability benefits for six months. This waiver will continue until Total Disability benefits are no longer payable. At that time you can continue your Disability Income Plan protection by resuming premium payments, as long as you are otherwise eligible for coverage. Concurrent Disabilities Benefits during any Period of Disability as the result of: more than one sickness; or more than one accident; or both sickness and accident; will be considered the same as if the disability resulted from only one cause. Exclusions No benefits are paid for loss caused by or resulting from: 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 you; Sickness contracted or Injury sustained while on full-time active duty as a member of the Armed Forces (land, water, air) of any country or international authority. Limitations on pre-existing conditions This Plan does not cover disability caused by or resulting from any pre-existing condition. “Pre-existing condition” means any injury or sickness, diagnosed or undiagnosed, for which you received medical care within 12 months prior to your effective date of coverage. Coverage for mental illness, alcoholism, and drug abuse If you become Totally Disabled due to mental or nervous disorders, alcoholism, or drug abuse, the maximum payment period will be reduced to two years during your lifetime, unless you are confined in a hospital or other institution licensed to provide care and treatment for that disability. Recurrent disabilities If you’re disabled due to the same or related medical causes, it will be considered one period of disability unless separated by 180 days during which you were actively at work. When there are fewer than 180 days between disability periods, benefit payments will be based on your original claim. Partial benefit payments If you are partially disabled, or if you accept rehabilitative employment while totally or partially disabled, you may be eligible to receive a partial monthly benefit payment. Details of the Partial Disability Benefit and Rehabilitative Employment Benefit are contained in your Certificate of Insurance. Effective date of coverage Your coverage will become effective on the date shown on your Certificate of Insurance, provided the required premium has been paid and you are actively at work on that date. If you are not actively at work on that date, your coverage will become effective on the first day of the month following the date you return to work. All coverage is subject to insurance company approval. New Accidental Death and Dismemberment Benefit Can Be Added to Your Disability Coverage Up to $100,000 for Accidental Loss of Life or Limb Choose $50,000 of coverage for $13 every six months. Choose $100,000 of coverage for $26 every six months. Rates shown are semiannual (twice yearly).Rates and/or benefits may be changed for everyone in your class of insured people only. If you sustain an injury sustained that results in any of the following losses within 365 days of the date of accident, we will pay the percent of your AD&D coverage amount shown opposite the loss. We will not pay more than the AD&D coverage amount. For Loss of: Life 100% One Hand & One Foot 100% Speech and Hearing 100% Both Hands or Both Feet or Either Hand or Foot and Sight of One Eye Sight of Both Eyes 100% 100% Either Hand or Foot 50% Speech or Hearing 50% Thumb & Index Finger of Either Hand 25% Sight of One Eye 50% Loss means with regard to: a) hands and feet, actual severance through or above wrist or ankle joints; b) sight, speech or hearing, entire and irrevocable loss thereof; c) thumb and index finger, actual severance through or above the metacarpophalangeal joints. You may request a Living Benefit of up to 50% of your AD&D coverage if you are terminally injured. Exclusions: This benefit does not cover: injury sustained while riding as a passenger in any aircraft owned, operated, or leased by or on behalf of the Policyholder or by the Insured Person's employer; or due to sickness. Form SRP-1311 AB (5371) It’s easy to apply for the SAF Long Term Disability Income Plan Get instructions and an application THE SAF LONG TERM DISABILITY INCOME 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-5371 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 Long Term Disability Income Plan