Individual Long Term Disability
Each year, one in five Americans under the age of 65 become disabled for one year or more. If you became sick or injured and couldn't work, how would you pay your bills and maintain your financial strength?
Long-term disability insurance is coverage that provides monthly payments, up to a specified dollar amount and for a specific time period, after a covered illness or injury occurs. Long-term disability insurance is now available to Cultural Alliance members and their employees on an individual basis. This individual coverage is offered through Commonwealth Investment Management Group, LLC.
- Designed to replace income if a disability occurs
- An individual policy offered at a 15% discount
- Policy has the highest occupation rating for registered architects
- Policy has the lowest cost contract available in the industry
- Premiums are guaranteed to age 65
- Policy can never be cancelled as long as premiums are paid
- Flexible benefit periods of 2, 3, 5, 6 years or to age 65
- Flexible eligibility periods - benefits can begin after 60, 90 or 180 days
- Benefit payments are tax-free when premiums are paid with personal funds
- Waiver of premium while benefits are paid, after 90 days
- Cost-of-Living and Inflation Option riders available
Complete the Online Questionnaire...
To see if you qualify, complete our confidential online questionnaire.
Visit our Individual Long Term Disability Frequently Asked Questions.
For more information, Vicki Devlin.