FPA's group long-term disability policy is a one-of-a-kind disability program. Through this partnership with Ryan Insurance Strategy Consultants, FPA members receive exceptional rates, that are remarkably lower that the average individual LTD policy. Guaranteed issue acceptance is extended to new FPA members who apply within 60 days of joining FPA.
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The policy is underwritten by Standard Insurance Company, an industry leader in the disability insurance market. This is Standard's Enhanced LTD Plan:
- Following a 90-day elimination period, tax-free benefits of 60 percent of income to a maximum of $10,000 per month.
- Benefits can be paid to age 65. (Benefits can be beyond 65 depending upon age at claim.)
- Benefits can be adjusted by a built-in inflation adjustment.
- All members can adjust their benefits annually with no medical questions asked.
- In addition to the monthly benefit, an annuity contribution benefit can be paid to help save for retirement and an assisted living benefit can be paid to help cover long-term care expenses.
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