Page 6 - NRLCA RCA Enrollment Kit

Short-Term Disability Income Insurance
TransDI® Plus
Underwritten by Transamerica Life Insurance Company
How would your bills be paid if you were suddenly disabled and could not work?
Base Policy
Waiver of Premium- An insured member does not pay premiums after 90 consecutive days of total disability or the satisfaction of the elimination period, whichever is later.
Partial Disability Bene t- A partial disability will be paid if an insured becomes partially disabled due to the same cause as total disability The bene t is 50% of the initial bene t.
Accelerated Bene t for Terminal Illness- If a member is diagnosed with a terminal illness for the rst time, on or after the effective date, we will accelerate the monthly disability bene t for the remaining months of payments of the maximum disability period of the contract, up to 12 months. Rider Form Series CRDITI00.
Mental Illness Limited Bene t- Totally Disabled due to a Mental Illness, regardless of the cause, Disability Bene ts will be paid for the period. Mental Illness means Disability due to or resulting from psychiatric or psychological conditions, regardless of cause. The term Mental Illness does not apply to dementia, if due to Stroke, Trauma, Viral infection, Alzheimer’s disease, or other conditions not usually treated by a mental health provider using psychotherapy, psychotropic drugs, or other similar modalities.
When do bene ts begin?
After satisfying a 14 day waiting period for either a sickness or accident, the policy will pay the selected bene t amount for maximum of 180 or 365 days (depending on bene t elected) or the end of the disability which ever is sooner.
How long can you go without an income?
A serious illness or accidental injury can deplete your saving
in a relatively short period of time. TransDI® Plus helps replace up to 60% of your salary if you are unable to work because of a disability. You can use the bene t for:
• Mortgage or rent • Food
• Utilities
• Clothing
• Credit cards and other debts
• Health, life and auto insurance premiums • Car payments
• Other transportation expenses
Eligible Bene ts and Amounts
An employee is eligible to receive bene ts
• When totally disabled
• Under a physician’s care
• The accident or sickness is non-work related
• The selected elimination period has been satis ed
Pre-Existing Condition Limitation
• No bene t for a pre-existing condition until the insured has been continuously insured under the policy for 12 consecutive months.
• Must be performing the duties of his or her occupation for 30 continuous days after the rst 12 months of insurance.
You may select any amount at or less than your qualifying bene t level.
Income veri cation at time of claim.
Bene t (18-49) (50-59) (60+) Bene t (18-49) (50-59) (60+)
If you earn at least $835, then you qualify for--- $500
If you earn at least $1,000, then you qualify for--- $600
If you earn at least $1,167, then you qualify for--- $700
If you earn at least $1,334, then you qualify for--- $800
If you earn at least $1,500, then you qualify for--- $900
If you earn at least $1,667, then you qualify for--- $1,000
If you earn at least $1,834, then you qualify for--- $1,100
If you earn at least $2,000, then you qualify for--- $1,200
If you earn at least $2,167, then you qualify for--- $1,300
If you earn at least $2,334, then you qualify for--- $1,400
If you earn at least $2,500, then you qualify for--- $1,500
If you earn at least $2,667, then you qualify for--- $1,600
If you earn at least $2,834, then you qualify for--- $1,700
If you earn at least $3,000, then you qualify for--- $1,800
If you earn at least $3,167, then you qualify for--- $1,900
If you earn at least $3,334, then you qualify for--- $2,000
If you earn at least $3,500, then you qualify for--- $2,100
If you earn at least $3,667, then you qualify for--- $2,200
Bene t Period: 6 months
Accident Elimination Period:14 days Sickness Elimination Period: 14 days
Bene t Period: 12 months
Accident Elimination Period:14 days Sickness Elimination Period: 14 days
QUALIFYING INCOME Monthly Age Age Age Monthly Age Age Age
$11.90
$14.28
$16.66
$19.04
$21.42
$23.80
$26.18
$28.56
$30.94
$33.32
$35.70
$38.08
$40.46
$42.84
$45.22
$47.60
$49.98
$52.36
$15.10
$18.12
$21.14
$24.16
$27.18
$30.20
$33.22
$36.24
$39.26
$42.28
$45.30
$48.32
$51.34
$54.36
$57.38
$60.40
$63.42
$66.44
$22.50
$27.00
$31.50
$36.00
$40.50
$45.00
$49.50
$54.00
$58.50
$63.00
$67.50
$72.00
$76.50
$81.00
$85.50
$90.00
$94.50
$99.00
$500
$600
$700
$800
$900
$1,000
$1,100
$1,200
$1,300
$1,400
$1,500
$1,600
$1,700
$1,800
$1,900
$2,000
$2,100
$2,200
$14.50
$17.40
$20.30
$23.20
$26.10
$29.00
$31.90
$34.80
$37.70
$40.60
$43.50
$46.40
$49.30
$52.20
$55.10
$58.00
$60.90
$63.80
$18.10
$21.72
$25.34
$28.96
$32.58
$36.20
$39.82
$43.44
$47.06
$50.68
$54.30
$57.92
$61.54
$65.16
$68.78
$72.40
$76.02
$79.64
$27.10
$32.52
$37.94
$43.36
$48.78
$54.20
$59.62
$65.04
$70.46
$75.88
$81.30
$86.72
$92.14
$97.56
$102.98
$108.40
$113.82
$119.24
This is a brief summary of TransDI® Plus Group Short-Term Disability Income Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form series CPDI0100 and CCDI0100. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certi cate and riders for complete details.