{"id":2122,"date":"2021-05-13T16:15:09","date_gmt":"2021-05-13T16:15:09","guid":{"rendered":"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/?page_id=2122"},"modified":"2025-04-28T11:46:05","modified_gmt":"2025-04-28T15:46:05","slug":"disability-features-and-benefits","status":"publish","type":"page","link":"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/disability-features-and-benefits\/","title":{"rendered":"Short Term Disability"},"content":{"rendered":"<ul class=\"wp-block-list\">\n<li><strong>Coverage Type<\/strong>\u201424 Hour or Non-Occupational<\/li>\n<li><strong>Guaranteed Issue<\/strong>\u2014with minimum participation based on group size and risk classification<\/li>\n<li><strong>Elimination Periods<\/strong>\u20147\/7; 14\/14; 30\/30; 60\/60; 90\/90; 180\/180 days<\/li>\n<li><strong>Benefit Periods<\/strong>\u20143 months, 6 months, 12 months, or 24 months<\/li>\n<li><strong>Portable<\/strong>\u2014no change in cost or coverage<\/li>\n<li><strong>Pre-Existing Condition Clause<\/strong>\u201412\/12<\/li>\n<li><strong>Guaranteed Renewable<\/strong>\u2014Up to age 72 (up to age 65 in MA)<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading small\">Additional Disability Features and Benefits:<\/h2>\n<ul class=\"wp-block-list\">\n<li><strong>Definition of Disability<\/strong>\u2014Own occupation for the first 2 years<\/li>\n<li><strong>Waiver of Premium<\/strong>\u2014Waiver is paid the later of 90 days or the satisfaction of the elimination period<\/li>\n<li><strong>Pregnancy Benefit<\/strong>\u2014total disability resulting from pregnancy, complications of pregnancy or childbirth is covered the same as any other Sickness<\/li>\n<li><strong>Partial Benefit<\/strong>\u2014If the insured becomes disabled and can work part-time (but not full-time), insured may be eligible for partial disability benefits<\/li>\n<li><strong>Mental or Nervous Disorder Benefit<\/strong>\u2014Up to 3 months of benefits paid (not limited in GA and VT)<\/li>\n<li><strong>Alcohol or Drug Coverage<\/strong>\u2014Up to 15 days in any 12 month period (not limited in GA and VT)<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\">Available Riders:**<\/h4>\n<ul class=\"wp-block-list\">\n<li><strong>Riders Available**<\/strong>\u2014Continuing Disability Benefit Rider, Physical Therapy Benefit Rider, Catastrophic Loss Rider, Strike Waiver of Premium<\/li>\n<\/ul>\n<p class=\"footnotes\">Policy form: AMINDDI-10*<br \/>*Features &amp; form numbers may vary by state.<br \/>**Additional premium will apply to base policy. Not all riders available in all states.<br \/>For New York residents\u2014This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 50.1%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.<\/p>\n<p class=\"footnotes\">Approved in all 50 states and the District of Columbia.<\/p>\n<div class=\"wp-block-group pdf-footer\">\n<div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p>Founded in 1943, Amalgamated Life Insurance Company has since grown into a leading provider of comprehensive insurance solutions operating in all 50 states and the District of Columbia. The Company provides competitive group products including Term Life, Medical Stop Loss, Disability and Specialty Drug Cost Management, as well as voluntary products such as Accident, Accidental Death &amp; Dismemberment, Critical Illness, Dental, Disability, Hearing, ID Theft, Legal, Portable Term Life and Whole Life, among others.<\/p>\n<p>Since 1975, Amalgamated Life Insurance Company has consistently earned the \u201cA\u201d<br \/>(Excellent) Rating from A.M. Best Company attesting to its strong fiscal position and claims paying abilities. The Company is a member of the Amalgamated Family of Companies; which includes: a third party administrator, Amalgamated Employee Benefits Administrators; Amalgamated Medical Care Management, a medical care management firm; Amalgamated Agency, a property and casualty broker; and AliGraphics, a printing firm.<\/p>\n<\/div>\n<\/div>\n<p class=\"pdf-footer-note\">The information in this product sheet is in an abbreviated form only. The actual coverage and amounts are subject to all the terms, limitations and exclusions in the individual policy. If the information in this product sheet differs from the Disability Policy, the terms of your policy govern.<\/p>\n<p><a href=\"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/wp-content\/uploads\/sites\/3\/2025\/04\/disability.pdf\" class=\"cta\" target=\"_blank\" rel=\"noopener noreferrer\">Download the PDF<\/a>&nbsp; <a href=\"https:\/\/youtu.be\/7RnwIKCG3Oo\" class=\"cta\" target=\"_blank\" rel=\"noopener noreferrer\">Watch the Video<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Additional Disability Features and Benefits: Available Riders:** Policy form: AMINDDI-10**Features &amp; form numbers may vary by state.**Additional premium will apply to base policy. Not all riders available in all states.For New York residents\u2014This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the&#8230;  <a class=\"excerpt-read-more\" href=\"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/disability-features-and-benefits\/\" title=\"Read Short Term Disability\">Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-2122","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/pages\/2122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/comments?post=2122"}],"version-history":[{"count":13,"href":"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/pages\/2122\/revisions"}],"predecessor-version":[{"id":4500,"href":"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/pages\/2122\/revisions\/4500"}],"wp:attachment":[{"href":"https:\/\/amalgamatedbenefits.com\/amalgamated-life\/wp-json\/wp\/v2\/media?parent=2122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}