Hartfield Financial & Insurance Services, Inc. - Simi Valley, CA

Hartfield Financial & Insurance Services, Inc.
(805) 522-5815
34 Mollison Dr, Simi Valley, CA 93065

Your Passport to Income Protection. If you've never considered disability income insurance before, you may wonder why you need it now, especially if you're young and healthy. But most professionals, at all stages, at all income levels, need solid disability income protection. Disability Income Insurance can help you protect your earning capacity.

Chances are you already protect your important assets, such as your house. Your health insurance can only cover your medical expenses; it can't provide a regular source of income. Why not help protect the most important asset you have--your ability to earn an income?

Helps provide a substitute source of income if you are Totally Disabled and cannot work. Provides monthly benefits to aid in paying personal bills when disabled.

Choice of Monthly Benefit ($150 To $7,500 A Month)

Choice of Waiting Periods (30, 90, 180 or 365 Days)
A waiting period is the number of consecutive days you must be Totally Disabled before benefit payments begin. You should choose a Plan that will provide benefits when your salary continuation plan runs out.

Definition of Disability - Disability Plans pay monthly benefits while you are Totally Disabled. "Totally Disabled" is defined in the Policy as being prevented by accident or sickness from performing the material and substantial duties of your usual occupation, provided you are not otherwise working for pay or profit. Benefits begin at the end of the waiting period.

Survivor Benefit
If you die--from any cause--while receiving benefits for Total Disability, a death benefit equal to three times the Monthly Benefit Option in force on the date of your death will be paid to your surviving relative(s) in the following order of survival: your spouse; or your children, equally; or your brothers and sisters, equally; otherwise to the executor or administrator of your estate.

Rehabilitation Benefit
This benefit is designed to help certain disabled members return to the work force. A professional rehabilitation staff reviews case histories and identifies individuals who appear to have the greatest likelihood of rehabilitation. Individuals selected by the Insurance Company are offered the chance to participate in a rehabilitation program at no cost to them. Benefits are not reduced for members who agree to participate in this program.

Partial Disability Benefits
While you are recovering from a Total Disability, you may be eligible to receive a partial disability benefit even though you return to work. If you return to work immediately following a period of Total Disability for which benefits were payable, you may continue to receive your monthly disability benefit until the earlier of the end of the maximum benefit period for Total Disability, or 24 monthly payments. However, the amount of your Monthly Benefit Option together with all other disability benefits and income you earn that month, cannot exceed 80% of your MONTHLY GROSS EARNED INCOME for the 12 months before Total Disability started.

Premium Payments Waived During Disability
After you have been Totally Disabled for six months you begin to receive benefits for Total Disability, all future premium contributions under the Plan will be waived for as long as you receive benefits for that disability.
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