Disability Insurance
Policy Form HPD12002 or State Edition
Professional Insurance Company
In California, PIC Life Insurance Company
Especially Designed for
Postal/Federal Employees
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Monthly Benefits |
DISABILITY INCOME - Accident* (HPD12002)**
Pays a Monthly Benefit for Total Disability or Presumptive Disability if you ate unable to work due to a covered Injury. Monthly Benefits begin after an elimination Period of 14 or 30 days. Monthly Benefits continue while your Total Disability lasts Or until the end one year. |
$600-$2,000*
(Accident & Sickness
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DISABILITY INCOME - Sickness* (HPDI2002)**
Pays a Monthly Benefit for Total Disability or Presumptive Disability if you are unable to work due to a covered Sickness. Monthly Benefits will begin after an elimination period of 14 or 30 days. For 14 day elimination period only, if you are hospitalized as a resident bed patient for a covered Sickness, Benefits will begin on the first day admitted. Monthly Benefits continue while your Total Disability lasts or until the end of one year. |
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| HOSPITAL INDEMNITY (HRH) |
S100 |
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Pays the Daily Benefit selected for Hospital Confinement (resident bed patient) of an Insured for the treatment of a covered Injury or Sickness for up to 365 days during a Period of Confinement
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EMERGENCY ACCIDENT (HREA)
Pays the Benefit Amount selected for Emergency Care due to a covered Injury rendered within 72 hours by a Physician in a Hospital emergency room or a physician's office. Pays for up to 4 different covered Injuries for each Calendar year per Insured category. (4 for employee, 4 for spouse, and a combined total of 4 for all children)
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$100 |
| ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT (HRADD) |
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Pays for the following losses due to a covered Injury within 90 days of the Injury:
Loss of life; or loss of sight of both eyes; or severance of both hands or both feet; |
$30,000 |
| Or severance of one hand and one foot; Loss of sight of one eye; or severance of one hand or one foot; |
$15,000 |
| Loss of life while a fare paying passenger in a common carrier. |
$60,000 |
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*The premium for this policy includes coverage for both Accident and Sickness.
**Building Benefits (HRBB)
Your Maximum Benefit Period will increase based on the schedule below of the number of Policy Years Your Policy has been in force as follows:
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| On a Policy with it Maximum Benefit Period of 12 Months |
Policy years 0 1 2 3-4 5 & Over
Max Benefit Period 12 months 13 months 14 months 15 months 18 months
Waiver of Premium - All Premiums that are due after You have received Total or Presumptive Disability Benefits for 90 consecutive days will be waived for as long as Benefits are payable, at no additional Charge (Waiver of Premium not available with 90 day Benefit Period). |
*Pays in addition to any other insurance, 50% if Worker's Compensation or similar 1aw pays.
Disability Benefit due to childbirth available after coverage has been in force for 10 months if policy requirements are met..
Policy may be continued if employee changes jobs.
Guaranteed Renewable to age 70.
One rate regardless of age or sex.
Pre--existing condition covered after 12 months of coverage. |
Policy Form HPD12002 or State Edition
Professional Insurance Company
In California, PIC Life Insurance Company
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OPTIONAL RIDERS FOR SPOUSE AND CHILDREN
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HOSPITAL INDEMNITY (HRH) $100
Pays the Daily Benefit selected for Hospital Confinement (resident bed patient) of an insured for the treatment of a
Covered Injury or Sickness for up to 365 days during a Period of Confinement.
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EMERGENCY ACCIDENT (HREA) $100
Pays the Benefit Amount selected for Emergency Care due to a covered Injury rendered within 72 hours by a
Physician in a Hospital emergency room or a Physician's office. Pays for up to 4 different covered Injuries for each
Calendar Year per Insured category. (4 for employee, 4 for spouse, and a combined total of 4 for all children).
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EMERGENCY ACCIDENT (HREA) $100
Pays the Benefit Amount selected for Emergency Care due to a covered Injury rendered within 72 hours by a Physician in a Hospital emergency room or a Physician's office. Pays for up to 4 different covered Injuries for each Calendar Year per Insured category. (4 for employee, 4 for spouse, and a combined total of 4 for all children). |
$15,000/Spouse $5,000/ Child(ren)
$7,500/Spouse $2,500/ Child(ren)
$30,000/Spouse $10,000/ Child(ren)
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