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Individual Disability Insurance
TIOPA DISABILITY INSURANCE PROGRAM
The Protector Plus (Insured through Standard Insurance Co.)
- Benefit limits up to $15,000 per month. (Group plans are often capped at $6,000 per month)
- TIOPA discount on premiums of 10%.
- Total and Residual disability benefits available.
- Survivor benefits.
- Waiver of premium benefit.
- Choice of waiting periods. (These days can be accumulated – group plans often require consecutive)
- True “own-occupation” definition of total disability available. (The heart and soul of a disability policy – you receive benefits if, due to a disability, you are unable to perform the substantial and material duties of your own occupation, even if you earn money doing something else.)
- Guaranteed continuable standard and Noncancelable rider available. (Group policy premiums typically increase with your age and are not guaranteed. Also, group policy provisions and benefits can often be changed and even reduced.)
- Future Purchase Option rider available.
- Indexed cost of living rider available.
- Catastrophic / Presumptive total disability benefits.
More that 8-million Americans trust The Standard to protect what they hold dear. The Standard’s excellence has been recognized by Standard & Poors by rating it first among its peers with high levels of customer service, an historically solid liquidity position, and strong financial flexibility.* This financial strength has been consistent for over 80 years.
For quotes and additional information, contact:
DEAN, JACOBSON FINANCIAL SERVICES
EXCLUSIVE AGENTS FOR THE TIOPA DISABILITY INSURANCE PROGRAM
Fort Worth 817-335-3214
Dallas 972-445-5533
Toll Free 800-321-0246
Standard & Poors Peer Comparison: U.S. Specialty Employee Benefit Insurers, 2005, 2006, 2007.
Current Standard & Poors rating is “AA-“ (Very Strong) – 4th of 20 rankings as of December 15, 2008.
Current A.M. Best rating is “A” (Excellent) – 3rd of 13 rankings as of December 15, 2008.
Fulfillment of disability insurance contracts is dependent upon the claims paying ability of the insurer.