Disability Insurance

Plan Information

Often time people don’t insure what is probably their most valuable asset — their ability to work and earn income. If you become sick or are injured and can’t work, will you be able to pay your bills and maintain your standard of living? If you depend on your income to pay the bills, buying disability income insurance is an option you should consider

When an injury slows you down, you need more than just health coverage. That’s why OneAmerica helps with lost income while you’re out of work, and provides a dedicated team of coaches to help you get back to life and recover more quickly. Treating the whole you: That’s what you get with a partner.

If you decline to enroll in this benefit as a new hire, then an Evidence of Insurability (EOI) application will be required if you later choose to enroll in this benefit during an open enrollment period.

Contact Information

Carrier: One America

Website: https://www.oneamerica.com/

Phone:(317) 285-1877

Eligibility: All Employees (>20 hours)

Short-Term Disability Insurance

Short-Term Disability (8th day to 13 weeks)

PLAN DESIGN	SHORT TERM DISABILITY
Short Term Disability Benefit Begin	8th day
Benefits Duration	For a maximum of 12 weeks
Percentage of Income Replaced	60% of weekly income
Maximum Benefit Payable	$6,000 Monthly
Pre-existing Condition Limitation	3/12

Short-Term Disability (15th day to 13 weeks)

PLAN DESIGN	SHORT TERM DISABILITY
Short Term Disability Benefit Begin	15th day
Benefits Duration	For a maximum of 11 weeks
Percentage of Income Replaced	60% of weekly income
Maximum Benefit Payable	$6,000 Monthly
Pre-existing Condition Limitation	3/12

Short-Term Disability (31st day to 13 weeks)

PLAN DESIGN	SHORT TERM DISABILITY
Short Term Disability Benefit Begin	31st day
Benefits Duration	For a maximum of 9 weeks
Percentage of Income Replaced	60% of weekly income
Maximum Benefit Payable	$6,000 Monthly
Pre-existing Condition Limitation	3/12

Long-Term Disability Insurance

Long-Term Disability (91st day-2 years)

PLAN DESIGN	LONG TERM DISABILITY
Long Term Disability Benefits Begin	91st day
Benefits Duration	2 Years or age 70
Percentage of Income Replaced	60% of monthly income
Maximum Benefit Payable	$6,000 monthly
Pre-existing Condition Limitation	3/12

Long-Term Disability (91st day-5 years)

PLAN DESIGN	LONG TERM DISABILITY
Long Term Disability Benefits Begin	91st day
Benefits Duration	5 Years until SSFRA*
Percentage of Income Replaced	60% of monthly income
Maximum Benefit Payable	$6,000 monthly
Pre-existing Condition Limitation	3/12

* Social SecurityFull Retirement Age

Long-Term Disability (91st day-SSFRA*)

PLAN DESIGN	LONG TERM DISABILITY
Long Term Disability Benefits Begin	91st day
Benefits Duration	Until SSFRA
Percentage of Income Replaced	60% of monthly income
Maximum Benefit Payable	$6,000 monthly
Pre-existing Condition Limitation	3/12