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Text Content

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 * Home
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   No Cost Term Life Term Life Senior Term Life Disability
 * My Account
 * Contact Us
 * www.aft.org/benefits


DISABILITY INCOME INSURANCE

Enroll Now

 * Overview & Benefits
 * Rates
 * 30-Day Look & Terms

Overview and Benefits
 * Overview & Benefits
 * Rates
 * 30-Day Look & Terms

If you’re unable to work due to an accident or serious illness, who can pay your
bills? Plan ahead with Disability Income Insurance.

To apply, click the Enroll Now button. If you prefer to enroll on paper, click
here.



Enroll Now


OVERVIEW

An accident can occur within a split-second and could profoundly affect your
career.

If you’re unable to work due to an accident or serious illness, who can pay your
bills? Plan ahead with Disability Income Insurance.

Monthly Benefits up to $5,000 Available
One of the top concerns for many working AFT members is finding a disability
plan that can deliver benefits high enough to adequately cover their income.
That's why AFT made sure this Disability Income Insurance featured generous
coverage with up to $5,000.00 in monthly benefits.

Benefits Paid If You Can't Work
Another concern is setting up benefits tailored to the level of training and
expertise you've achieved. You can rest assured this plan can protect you if you
can't work in your occupation1. (Some plans may only pay if you can't work in
any occupation. It's an important distinction to keep in mind.)

1Own Occupation is limited to elimination period and 24 months. Definition of
disabled changes to Any Occupation after 24 months.

Like most insurance policies, insurance policies offered by MetLife and its
affiliates contain certain exclusions, exceptions, waiting periods, reductions,
limitations, and terms for keeping them in force. Please contact MetLife or your
plan administrator for complete details.

Metropolitan Life Insurance Company | 200 Park Avenue | New York, New York 10166
L0123028263[exp1224][All States][DC,GU] © 2023 MSS




BENEFITS

If you are an AFT member, in good standing, in accordance with its bylaws and
constitutions, actively-at-work at least 20 hours a week, you are eligible to
apply for a monthly benefit amount up to $5,000 (in $100 increments), provided
the benefit you select does not exceed 60% of your gross monthly earnings.

Depending on your needs, you can select from either a 60-day or 90-day waiting
period.

Monthly benefits are payable to the earlier of 5 years or your normal retirement
age.

AFT Members

Other Benefits Included:

Pre-existing* conditions are covered after 12 months.

Pregnancy is covered as any other disability.

As with other disability income plans, benefits are not taxable if premiums are
paid with after-tax dollars.

*Pre-existing condition means a sickness or accidental injury for which you
received medical treatment, consultation, care or services, took prescription
medication or had medications prescribed, or had symptoms that would cause a
reasonable prudent person to seek diagnosis, care or treatment in the 12 months
before your insurance takes effect. We will not pay for a disability that
results from a pre-existing condition, if you have been actively at work for
less than 12 consecutive months after the date your disability insurance takes
effect. See certificate for details.

Like most insurance policies, insurance policies offered by MetLife and its
affiliates contain certain exclusions, exceptions, waiting periods, reductions,
limitations, and terms for keeping them in force. Please contact MetLife or your
plan administrator for complete details.

Metropolitan Life Insurance Company | 200 Park Avenue | New York, New York 10166
L0123028263[exp1224][All States][DC,GU] © 2023 MSS



AFT leveraged the professional status of more than 800,000 members to negotiate
the affordable group rates for the AFT+ Disability Income Insurance Plan.



Monthly Rates Per $100 of Benefit Elimination Period: Option 1 Option 2 60 Days
90 Days Maximum Benefit Duration: 5 Years 5 Years AGE 1 Under 35 $0.81 $0.74
35-39 $1.03 $0.93 40-44 $1.41 $1.27 45-49 $1.91 $1.72 50-54 $2.70 $2.43 55-59
$4.11 $3.71 60 & over $5.57 $5.02

1. Age is the participant's age as of last birthday.

If you are disabled due to alcohol, drug or substance abuse or addition, we will
limit your disability benefits to one period of disability during your lifetime.
During your disability, we require you to participate in an alcohol, drug or
substance abuse or addition recovery program recommended by a physician. We will
end disability benefit payments at the earlier of the date you receive 24 months
or disability benefit payments, the date you cease or refuse to participate in
the recovery program referred to above, or the date you complete such recovery
program.

If you are disabled due to mental or nervous disorders or diseases,
neuromuscular, musculoskeletal or soft tissue disorder, chronic fatigue syndrome
and related conditions, we will limit your disability payments (subject to
specified exceptions) to a lifetime maximum equal to the lesser of 24 months or
the Maximum Benefit Period.

Rates are subject to change.



How to Calculate Your PREMIUM:
(Cost from your age bracket) x (# of Units) = Monthly Premium
Example: Age 37, 60-day Elimination Period
Amount of coverage desired: $2,000 per month
$1.03 x 20 (units) = $20.60 per month

How to Calculate Your PAYMENT OPTIONS:
Example: Quarterly payments: (monthly premium) x 3 = Quarterly payment
$20.60 x 3 = $61.80
Semi-annual payments: (monthly premium) x 6 = Semi-annual payment $20.60 x 6 =
$123.60
Annual payments: (monthly premium) x 12 = Annual payment $20.60 x 12 = $247.20
Call 1-888-423-8700 for more information.

Exclusions and Limitations include: war, whether declared or undeclared, or act
of war, insurrection, rebellion or terrorist act; your active participation in a
riot; intentionally self-inflicted injury; attempted suicide; or commission of
or attempt to commit a felony.

Policy form GPNP08-TRUST

L1120009122[exp1122][All States][DC,GU,MP,PR,VI] © 2021 MSS

Monthly Rates Per $100 of Benefit Elimination Period: Option 1 Option 2 60 Days
90 Days Maximum Benefit Duration: 5 Years 5 Years AGE 1 Under 35 $0.81 $0.74
35-39 $1.03 $0.93 40-44 $1.41 $1.27 45-49 $1.91 $1.72 50-54 $2.70 $2.43 55-59
$4.11 $3.71 60 & over $5.57 $5.02

1. Age is the participant's age as of last birthday.

If you are disabled due to alcohol, drug or substance abuse or addition, we will
limit your disability benefits to one period of disability during your lifetime.
During your disability, we require you to participate in an alcohol, drug or
substance abuse or addition recovery program recommended by a physician. We will
end disability benefit payments at the earlier of the date you receive 24 months
or disability benefit payments, the date you cease or refuse to participate in
the recovery program referred to above, or the date you complete such recovery
program.

If you are disabled due to mental or nervous disorders or diseases,
neuromuscular, musculoskeletal or soft tissue disorder, chronic fatigue syndrome
and related conditions, we will limit your disability payments (subject to
specified exceptions) to a lifetime maximum equal to the lesser of 24 months or
the Maximum Benefit Period.

Rates are subject to change.

Like most insurance policies, insurance policies offered by MetLife and its
affiliates contain certain exclusions, exceptions, waiting periods, reductions,
limitations, and terms for keeping them in force. Please contact MetLife or your
plan administrator for complete details.

Metropolitan Life Insurance Company | 200 Park Avenue | New York, New York 10166
L0123028263[exp1224][All States][DC,GU] © 2023 MSS




30-DAY FREE LOOK

Many AFT Members have some life insurance, but is it enough? Protect your family
with the right amount of coverage with AFT+ Benefits Term Life Insurance.

30-Day Free Policy Review:

Upon approval of your benefit request, you will receive your Certificate of
Insurance detailing the terms and conditions of your policy. If you review your
policy within 30 days, and prior to submitting a claim, and decide the policy
doesn’t meet your expectations, you can mail back the Certificate to cancel your
insurance.

ACT IMMEDIATELY FOR PROMPT COVERAGE

With AFT+'s Disability Income Insurance, you can apply for up to $5,000 in
monthly benefits to help replace your income if an injury or illness leaves you
unable to work as a teaching professional.


TERMS

Privacy Notice

Like most insurance policies, insurance policies offered by MetLife and its
affiliates contain certain exclusions, exceptions, waiting periods, reductions,
limitations, and terms for keeping them in force. Please contact MetLife or your
plan administrator for complete details.

Metropolitan Life Insurance Company | 200 Park Avenue | New York, New York 10166
L0123028263[exp1224][All States][DC,GU] © 2023 MSS



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INSURANCE RENEWAL REMINDER

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Disclaimer: Gallagher Affinity Insurance Services, Inc., provides administrative
support services to insurance plans sponsored by associations and fulfilled by
insurance carriers. Our support includes certificate issuance and facilitation
of information in support of applications and claims for benefits provided by
the insurance carrier. The carrier fulfills the benefit determination and any
payments on claims associated with those benefits. Insurance brokerage and
related services to be provided by Gallagher Affinity Insurance Services, Inc.
(License No. 100310679 | CA License No. 0783129).

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