The AIA Trust - Benefits

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Most things in your life depend on your ability to earn an income. Your home. Your everyday living expenses. Your savings. Your children’s child care and educational needs. Your hopes for retirement. Your dreams for the future.

So if your income stops due to a disabling injury or illness, how will you pay your mortgage, household bills, and everyday living expenses? Will you have to dip into your savings or other assets? And will your savings, the equity in your home, your retirement nest egg, and your other assets be enough to carry you through until you’ve recovered and are able to return to work? And, would you even want to use up your current financial resources this way?

With so many things in life being uncertain, why not help protect yourself and your loved ones from the financial risks and uncertainties surrounding a disability? Enroll in the AIA Trust Group Disability Income Insurance Plan today … so it’ll be there for you should you ever need it.

This AIA Trust Group Disability Income Plan offers two affordable benefit plan options to fit your needs and budget. And you can receive monthly benefits from $100 up to $5,000.

Questions? Call toll-free 1-866-768-1075

Provides Monthly Disability Income Benefits If you are an AIA member, under age 60, actively-at-work at least 30 hours a week, are a U.S. resident except for: FL, MN, NC, TN, VT, WA and US Territories and possessions, and are not on active duty in the military, 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 average monthly income.

Offers Choice of Benefit Plans and Waiting Periods

Depending on your needs and budget, you can select from between these plans:

Two-Year Plan: Pays monthly benefits for up to two years for covered total disability commencing prior to age 64. For disabilities commencing at age 64, benefits are possible for one year.
To Age 65 Plan: Pays monthly benefits up to age 65 for covered total disabilities commencing prior to age 60. If you become totally disabled between the ages of 60 through 63, benefits will be paid up to a maximum of two years; one year for disabilities commencing at age 64.

Plus, you can choose among three waiting periods: 60, 90, and 180 days. The longer the waiting period, the less your premium will be.

Pays Tax-Free Benefits Under current tax laws, if you pay your own personal disability premiums, your benefits are tax-free. This means you’ll generally collect 30 to 40 percent higher benefit checks through this plan than you would from an employer-paid plan. Or if you own your firm, you may be able to claim part of your premiums as a tax deduction. Check with your tax advisor for more details.

Waives Waiting Period for Organ Transplants If you have been insured under the Plan for at least six months and undergo a surgical procedure to donate an organ for transplant, you will be considered totally disabled. No waiting period will apply, and benefits will be payable from the first day of total disability. However, any portion of your monthly benefit option which became effective in the six months immediately prior to such organ donation will not be payable for this total disability.

Pays Residual Disability Benefits

When you resume your practice or enter a new occupation after a covered disability, you may find your earnings are not what they once were. Perhaps your former clients have gone elsewhere, or you're starting your new job from scratch. But even when your disability benefits have stopped, you may be able to offset your lower income by receiving a Residual Benefit.

If you return to work after a covered total disability that lasted at least 30 days, you may be entitled to receive a Residual Benefit if:

You have not received covered disability benefits for the maximum benefit period for your covered total disability.
It prevents you from earning more than 75% of your average monthly income for the period before your covered total disability.
It is due to or related to the same injury, sickness or organ donation for which you incurred your covered total disability.
It is not separated from a period of covered total disability by your return to full-time work of three months or more.
It occurs before you reach age 64.

Pays Benefits During Approved Vocational Rehabilitation If, while you are totally disabled, you are able to and elect to rehabilitate, you will continue to receive a monthly benefit equal to your total disability monthly benefit provided New York Life approves of the rehabilitation program. New York Life must be notified in writing regarding participation in a vocational rehabilitation program.

Waives Premium if Disabled If you become totally disabled before age 60 and remain disabled for six months, your premium will be waived until the date your covered disability benefit ends.

Easy to Apply Today Simply download, complete, sign and return the application. Send no money now.

30-Day FREE Look When you receive your Certificate of Insurance, read it carefully. If you’re not completely satisfied with the terms of your new insurance plan, simply return your Certificate, without claim, within 30 days and any premium paid will be promptly refunded. No questions asked.

Questions? Call toll-free 1-866-768-1075

When Coverage Begins: Your coverage will begin on the first of the month following the date your application is approved, provided you are actively-at-work full-time on the date, meet required evidence of insurability requirements and the premium is paid. Benefits will begin on the first day of a covered total disability after completion of the applicable Waiting Period. Benefits will continue until the earlier of (a) the day the insured ceases to be totally disabled or (b) the end of the maximum benefit period.

When Coverage Ends: Your coverage will end when you are no longer a dues-paying member or Allied member of AIA, you are no longer at full-time work, you reach age 65, you stop paying your premiums when due, when you receive covered total disability benefits for the maximum benefit period, when you begin active duty in the armed forces, or the date the group policy ends.

Important Definitions
Average Monthly Income means a person’s average monthly wages, salaries, commissions, fees and any other amounts received by such person for personal services, including the cost of his or her fringe benefits and share of total surpluses. It does not include income from interest, dividends, rent, royalties, annuities, other insurance and other unearned income.
Covered Total Disability is an incapacity from: an injury or sickness that an insured suffers while he or she is insured under the Policy, but only if such incapacity completely and continuously prevents the insured from doing the material and substantial duties of his or her occupation, provided he or she is not engaged in any occupation for pay or profit; or an organ donation by an insured, if he or she has been continuously insured under the Policy for at least six consecutive months on the day of such donation; but only if such incapacity completely and continuously prevents the insured from doing the material and substantial duties of his or her occupation, provided he or she is not engaged in any occupation for pay or profit.
Mental Illness means a disability due to or resulting from psychiatric or psychological conditions, regardless of cause, such as: (a) schizophrenia; (b) depression; (c) manic depressive or bipolar illness; (d) anxiety; (e) personality disorders; and/or (f) adjustment disorders or other conditions, usually treated by a mental health provider or other qualified provider using psychotherapy, psychotropic drugs or other similar modalities used in the treatment of the above conditions.
Chemical Dependency means the abuse of or psychological or physical dependency on or addiction to alcohol or a controlled substance. For purposes of this definition, “controlled substance” means a toxic inhalant, a volatile chemical, abusable glue or aerosol paint, or a substance designated as or considered a controlled substance under applicable federal, state or local authority. This limitation does not apply to dementia, if due to: (a) stroke; (b) trauma; (c) viral infection; (d) Alzheimer’s disease; or (e) other conditions not listed above which are not usually treated by a mental health provider using psychotherapy, psychotropic drugs or other modalities.
Successive Periods of Disability will be considered one period of disability if such disabilities are due to the same or related causes, and which are separated by less than six months of return to continuous full-time work during which you are not totally disabled or different or unrelated causes are not separated by return to full-time work.
Waiting Period is the initial, continuous period of a Covered Total Disability which must be completed before such Covered Total Disability benefits become initially payable.

Note: Maximum benefit for disabilities due to mental/nervous conditions and drug and alcohol abuse is 24 months.
The Maximum Benefit Period for all Covered Disabilities of an insured which are due to or related to Mental Illness and/or Chemical Dependency while such person is insured under the Policy, whether insurance has been continuous or interrupted, cannot exceed the lesser of: (a) 24 months; or (b) the Maximum Benefit Period for a Covered Disability due to an injury, sickness or organ donation. This limitation does not apply to any period during which such insured is institutionalized.

Exclusions: Any of the following in which a disability (a) occurs during, (b) is due to; or (c) is related to: Air Travel in, travel on, fall from or descent from any aircraft while such aircraft is in flight, unless the insured is traveling: (a) solely as a fare-paying passenger on a licensed, commercial, regularly scheduled, non-military aircraft; or (b) in a civil aircraft having a current and valid “Standard Federal Aviation Agency Airworthiness Certificate” and piloted by a person with a current and valid pilot’s certificate with proper ratings for the type of flight and aircraft involved; Crime/Illegal Occupation/Illegal Activity:. Participation in or incarceration resulting from any of the following in a role other than as a victim: (a) the commission of a felony; (b) an illegal occupation or activity; (c) an insurrection; (d) terrorist activity; or (e) a riot. An Impairment Restriction; a disability that is due or related to duty in the military, naval or air service of any country, a pre-existing condition; a disability that is due to a pregnancy or child birth or a related medical condition, except for a complication of pregnancy; Regular Care that does not require a doctor's regular care of, or attendance to, the insured; or (b) for any period of disability for which the insured is not under the regular care and attendance of a doctor, except that: This requirement will not apply if such care is no longer required for prudent medical management of the injury, sickness or organ donation. For the purpose of satisfying the requirement that the insured be under the “regular care” of a doctor, doctor does not include the insured or a member of his or her immediate family; intentional self-inflicted injury or an attempt at suicide or occurs while intentionally injuring oneself; whether the insured is sane or insane; engagement in any of the following in a role other than as a victim: (a) in war, (b) an act of war, or (c) an armed conflict which involves the armed forces of one or more countries; pre-existing conditions; pregnancy, childbirth or related medical condition.

Pre-existing Condition means an injury or sickness or any condition related to such injury or sickness for which a person consults a doctor, receives medical services or supplies or takes any medication during the 12-month period immediately before the insured’s initial insurance date, if such injury or sickness condition is not fully disclosed when a request for insurance is made under the Policy. Preexisting Condition does not include: (a) any such injury or sickness or condition for which such person has not consulted a doctor, received medical services or supplies or taken any medication for a continuous period of 12 consecutive months after the date he or she first becomes an insured; or (b) any such injury or sickness or condition after such person has been continuously insured under the Policy for 24 months.

Important Information from New York Life Insurance Company
New York Life Insurance Company reserves the right to request medical information to determine applicant’s medical eligibility for coverage. Based on the age of the person proposed for insurance and the amount of coverage requested, a physical examination, EKG, blood test or other information may be required. Not all applicants will have to supply additional information. However, if it is required, New York Life will arrange for an independent professional paramedic to contact you to perform these simple tests at your convenience. The exam and blood test are free-of-charge.

IMPORTANT NOTICE
How New York Life Insurance Company Underwrites
Your Request For Disability Insurance

Information regarding insurability will be treated as confidential. In considering your request for coverage, we will rely on the medical information you provide, and on the information you authorize us to obtain from your doctor, other medical practitioners and facilities, other insurance companies to which you have applied for insurance and MIB (Medical Information Bureau). New York Life Insurance Company will not disclose such information to anyone except those you authorize or where required or permitted by law. We may make a brief report to MIB; however, we will not disclose our underwriting decision. Information in our files may be seen by New York Life Insurance Company and Plan Administrator employees, but only on a "need to know" basis in considering your request. Upon receipt of all requested information, we will make a determination as to whether your request for insurance can be approved.

MIB is a nonprofit organization of life insurance companies which operates an information exchange on behalf of its members. When you apply for insurance or submit a claim for benefits to a MIB member company, medical or non-medical information may be given to the Bureau, which may then be furnished to member companies.

If we cannot provide the coverage you requested, we will tell you why. If you feel our information is inaccurate, you will be given a chance to correct or complete the information in our files. Upon written request to New York Life Insurance Company or MIB, you will be provided with non-medical information. Generally, medical information will be given either directly to the proposed insured or to a medical professional designated by the proposed insured. Your request is handled in the accordance with the Fair Credit Reporting Act procedures. If you question the accuracy of the information provided by MIB, you may contact MIB and seek a correction. MIB's information office is at 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734. For Canadian residents, the address is 330 University Avenue, Suite 501, Toronto, Canada M5G 1R7. You may call MIB at 866-692-6901 (TTY 866-346-3462).

For NM Residents: PROTECTED PERSONS¹ have a right of access to certain CONFIDENTIAL ABUSE INFORMATION² we maintain in our files and they may choose to receive such information directly. You have the right to register as a PROTECTED PERSON1 by sending a signed request to the Administrator at the address listed on the application. Please include your full name, date of birth and address.
¹ PROTECTED PERSON means a victim of domestic abuse: who has notified us that he/she is or has been a victim of domestic abuse; and who is an insured or prospective insured person.
² CONFIDENTIAL ABUSE INFORMATION means information about: acts of domestic abuse or abuse status; the work or home address or telephone number of a victim of domestic abuse; or the status of an applicant or insured family member, employer or associate of a victim of domestic abuse or a person with whom the applicant or insured is known to have a direct, close, personal, family or abuse related relationship.

New York Life Insurance Company

08/08 ed.

If we can provide the coverage you requested, we will inform you as to when such coverage will be effective. Under no circumstances will coverage be effective prior to this date. Payment of a premium contribution with your application does not mean that there is any insurance in force before the effective date as determined by New York Life Insurance Company.

Questions? Call toll-free 1-866-768-1075

The AIA Trust incurs certain administrative expenses in connection with this sponsored program. To provide and maintain this valuable membership benefit it is reimbursed for such expenses. This information is only a brief description of the principal provisions and features of the AIA Trust Group Disability Income Insurance Plan. The complete terms, benefits, exclusions, limitations and conditions are set forth in the group policy issued by New York Life Insurance Company to the Trustee of the AIA Trust.

Endorsed by:

Administered by:
AGIA Insurance Services, Inc.
P.O. Box 22859
Santa Barbara, CA 93121

A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. John Wigle California Agent license number is 0482924.

The Disability Income Insurance Plan is underwritten by:
New York Life Insurance Company
51 Madison Avenue, New York, NY 10010
under Group Policy G-29059-4 on
Policy Form GMR-FACE/ G-29059-4

New York Life is licensed/authorized to transact business in all the 50 states, and the District of Columbia.

Please note that this plan is not available in all states.

New York Life Insurance Company’s state of domicile is New York and their NAIC ID # is 55915.