Disability Plan FAQ

Questions and Answers

  1. Who is eligible for this coverage?
 All active, career employees working 25 hours per week or more may purchase this income protection.
  1. How does the plan define total disability?
 Total disability is defined as the inability to engage in the principal job responsibilities of your own occupation and under the care of your physician.
  1. Will my benefit payments be subject to federal income tax?
 No. Your benefit payments will not be subject to federal income tax since you'll be paying for coverage with after-tax dollars.
  1. Does this plan cover disability resulting from maternity?
 Yes, maternity is covered as any other eligible disability. (See Question 11)
  1. If I become disabled, how long will I have to wait before receiving benefits?
 Payments start after you've been totally disabled for fourteen days ("elimination period"). If you are confined to a hospital, the elimination period is waived.
  1. What if I go back to work after being disabled, and then get sick again?
 If you return to work during the elimination period for less than 3 months, only to become totally disabled again for the same or related cause, your benefit waiting period will not be interrupted. If, after receiving benefits, you return to work for less than 3 months and become disabled again from the same or related cause, you will not have to go through another elimination period.
  1. How much of my income will the plan replace?
 You may purchase up to 60% of your current monthly income, not including bonuses or overtime. Benefit payments will be reduced by 50% if you receive other income such as Workers' Compensation, CSRS, FERS, or Social Security.
  1. What is included in "monthly income"?
 Your monthly income is defined as your own earnings excluding bonuses, overtime pay, and other fringe benefits.
  1. Does this plan cover mental and nervous disabilities?
 No, unless it is organically connected.
  1. Does the plan cover job-related disabilities?
 Yes.
  1. Are benefits payable for pre-existing conditions?
 Benefits are not payable for conditions treated during the 36 months prior to coverage until you have been treatment-free for 12 months or insured for one year.
  1. Are there other exclusions or limitations?
 Benefits are not payable for disabilities resulting from felonies, war, military service, riots, self-inflicted injuries, abortion (except life-threatening cases), or periods without physician care.
  1. Where do my benefit payments come from?
 Because your benefit payments come from C.U.L., you can rely on receiving them regularly throughout your disability.
  1. If I'm disabled do I have to apply for Social Security?
 Yes.
  1. How do I enroll?
 Complete the enrollment form and Direct Deposit Sign-Up Form 1199A and return both to the Plan Administrator. Do not send money.
  1. Where do I go for more information?

Benefits Unlimited Insurance, Inc.
P.O. Box 530820
Henderson, NV 89053-9907

Email: bui@benunlins.com

Telephone: 1-800-325-0475