Have you ever wondered what would happen to your income if you had an accidental injury, sickness, or pregnancy? That is why you need disability coverage. It replaces a portion of income for the period you are unable to work due to those reasons. You can choose the benefit amount, which is the amount of your income to replace, and the waiting period that you begin receiving payments.

How do you decide if you need disability insurance? Consider these questions when making your decision:

• How much employer leave do you have?
• Do you have savings?
• Do you have other income you can rely on, such as from your spouse or from child support?
• How close are you to retirement?
• Could you go on Social Security Disability or take a Disability Retirement?
• What are your other sources of income?

• Pays directly to you to help pay for what you need while you are unable to work
• Monthly benefit amount in $100 increments up to 66 2/3% of salary or a maximum of $8,000 a month
• Choose a waiting period of 7,14, 30, 60, 90, or 180 days (The plan starts to pay after the elimination period until the doctor says you can come back to work or to the age of 65)
• If you select an elimination period of 30 days or less, your waiting period is waived upon in-patient hospital admittance of 24 hours or more
• For New or Enhanced Coverages: Pre-existing conditions will not be covered until after 12 months of continuous
  coverage (Enhanced Coverages: Increasing your monthly benefit or lowering your waiting period)

For rates, please see the Reference Center at www.benefitsolver.com. Company key: hcde (case sensitive).