Association Group Accident & Disability Insurance

Association Group Accident & Disability Insurance

Coverage Is Issued By The Prudential Insurance Company of America.

Professional Insurance Administrators with Dependable Policies

Our Professional Insurance Administrators at Insurance Specialists, Inc. offer an extensive range of group accident and disability insurance plans to clients. All of our plans provide affordable group rates, customized coverage amounts, and numerous other benefits that make protecting yourself and those you care about as easy and effective as possible.

Contact our team today to learn more about the options we offer and how we can help!

Please note that not all products are available to all Associations. If you are a Member and have questions, contact an MSA.

Types of Insurance

Whether you are looking for added protection against long term disability, accidental death and dismemberment, or other accidents that may occur, we are sure to have a product that is a perfect match for your specific needs!

Our Association group accident and disability insurance plans include:

  • Long term disability insurance plan, which is available to Members who are up to the age of 60 and actively at work.
  • Business overhead expense disability insurance plan, which is available to Members who are under the age of 60 and actively at work.
  • Accidental death and dismemberment insurance plan, which is available to Members under the age of 65.
  • Comprehensive accident insurance plan, which is available to Members under the age of 65.

Providing Quality Benefits at Competitive Rates

With more than 50 years of experience at our side, we have constantly strived to provide each client with products that are dependable, accurate, and consistent, while also ensuring that they receive the professional and personalized service they deserve.

Our goals are to help you choose the plan with the highest quality benefits to match your needs at competitive rates. Once a policy has been purchased, we are dedicated to maintaining continuity of coverage and consistency of service.

Help us understand your needs and learn how our knowledgeable Professional Insurance Administrators can assist by calling (888) 451-0883 today!

Insurance Options

Long Term Disability Insurance Plan

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Available to Members up to age 60, who are actively at work.

  • Disability insurance protection against injury and sickness
  • Affordable group rates
  • Coverage amounts up to $10,000 per month available to many Associations
  • "Your Occupation" Definition of Disability included
  • No offsets against other Disability coverage you own, Workers Compensation or Social Security
  • 30, 60, 90, and 180 day elimination periods available
  • Maximum Benefit Duration options of To Age 65; 5 Years; and 2 Years

Business Overhead Expense Disability Insurance Plan

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Available to Members under age 60, who are actively at work.

  • Affordable group rates
  • Designed for Members of Bar, Dental, and Medical Associations to help pay office overhead expenses during periods of disability
  • Coverage up to $20,000 per month available based on your normal monthly business overhead expenses
  • Covered expenses include: Rent, Utilities, Employees' Payroll, and any other normal monthly business expenses you incur in your practice
  • 30 day elimination period
  • 24 Month Maximum Benefit Duration

Accidental Death and Dismemberment Insurance Plan

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Available to Members under age 65.

  • "Guaranteed Issue" coverage - no medical underwriting required
  • Affordable group rates
  • Optional coverage amounts up to $500,000 available

Comprehensive Accident Insurance Plan

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Available to Members under age 65.

"Guaranteed Issue" coverage - no medical underwriting required

  • Affordable group rates
  • Includes three levels of accident benefits:
  • Accidental Death & Dismemberment coverage - up to $500,000 principal sum available
  • Hospital Inpatient Accident coverage to a maximum of 365 days
  • Accident Disability coverage for total disabilities resulting from injury

*Not all products on this page are available to all Participating Associations.Check your specific association page for a reference of your association's products.

These policies provide disability income and accident insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

IMPORTANT NOTICE - THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. CA COA #1179, NAIC #68241. Contract Series: 83500.

This site may contain marketing language on products issued by The Prudential Insurance Company of America that has not yet been approved in all states.

0295165-00001-00.

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We Maintain Quality Benefits & Provide The Most Competitive Rates

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