You probably have life insurance to protect your loved ones from financial strain caused by your death; but how will your family be protected if you become disabled and are unable to earn an income? Disability may pose a serious risk to you and your family's financial well-being.
According to the National Association of Insurance Commissioners (NAIC), the odds of becoming disabled are much higher than the odds of dying at any given age. Every year, 12% of adults in the U.S. suffer a long-term disability. And before the age of 65, one out of seven workers will suffer a five-year or longer period of disability. If people had substantial savings, these odds would not be a problem. People could draw out of their savings, but this is usually not a possibility. More than half of U.S. adults would be unable to meet their expenses if they couldn't work for a year.
GEBA's Group Long Term Disability Plan is designed to give you affordable, flexible coverage to provide a supplemental source of disability income if you are disabled and cannot work.
Plan Features: Summary details of GEBA's Long Term Disability Plan
Biweekly Rate Table: GEBA's Long Term Disability biweekly premiums
Monthly Rate Table: GEBA's Long Term Disability monthly premiums
Frequently Asked Questions: Find answers to questions you may have on disability
Application Form: To apply for new or increased coverage; Forms can be viewed and completed through Adobe Acrobat Reader, then printed and mailed.
If you want to pay premiums via automatic debit from your banking account, please complete an Automatic Debit Form.
Contact Us with your questions. A GEBA representative will send you a full summary plan description upon your request.
Before applying and for important information including features, cost, eligibility, renewability, limitations, and exclusions read the Disability brochure located on the right panel.
If you have already been approved for this coverage, and you would like to download your Certificate of Insurance and (if applicable) the State Regulation page, go to our Policy Information page. If you'd prefer to have these documents mailed to you, please contact GEBA.
Coverage not currently avaliable in all states. Please contact GEBA for current information.