Long-Term Disability Insurance Program
NAPA's disability income insurance provides financial protection that allows individuals and business owners to focus on what's most important — recovery.
Program not available to residents in AK, MO, MT, NH, NM, NC, OR, UT, VT or WA.
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Protect Your Ability to Earn Income
Each individual has unique financial needs, and income represents a large piece of that equation. A NAPA disability income insurance policy can be customized to provide you the right coverage to replace a portion of the income you have come to rely on.
Eligibility for NAPA Disability Income Insurance
NAPA members under the age of 60 who are actively at work on a full-time basis for at least 30 hours per week.1
LTD - Maximum benefit amount at enrollment
Age Max Benefit Benefit Summary Under the age of 60 up to $8,000 per month Download Note: Total disability benefits may not exceed 60% of pre-disability income or $8,000. Pre-disability earnings include Basic earnings, S Corp Shareholders, Partnerships, W-2 Reportable Income, and Schedule C. Coverage terminates at age 70.
BOE - Maximum benefit amount at enrollment
Age Max Benefit Min Benefit Increments Benefit Summary Under the age of 60 $20,000 per month $500 per month $100 increments Download Important Benefits You Can Depend On
Both of our Long Term Disability and Business Office Overhead Expense insurance options come with valuable benefits for you and/or your business.
These benefits include:
- Waiver of Premium
- Lump Sum Survivor Benefit
- Family Care Incentive
- Moving Expense Incentive
- Work Incentive
- and more!
1 You must be actively at work for coverage to become effective. BOE coverage amounts over $6,000 are subject to evidence of insurability.
