Is your ability to work and earn a living protected in case of a disability? Protecting your most valuable financial asset—your income—is now more important than ever. Because of your membership with the American Association of Orthopaedic Surgeons, you're eligible to apply for quality individual non-cancelable disability insurance and receive a 10% discount!*
*California residents: Plan varies; no discount available.
Think about it:
If you became too sick or hurt to work, would you be able to pay your monthly bills? Just one year of disability could wipe out many years of savings. But with Individual Disability Income Insurance through the AAOS Member Insurance Program, you can help protect this valuable asset you have worked so hard to achieve.
Consider the following facts:
- 54 million Americans—19% of the population—are classified as disabled.¹
- Just one in four of today’s 20-year-olds will become disabled before reaching age 67.²
- In the U.S., a disabling injury occurs nearly every second, and a fatal injury occurs every 4 minutes.³
- Disabled workers and their dependents account for 19% of total benefits paid by Social Security.²
- In the last 10 minutes, 490 Americans became disabled.³
1 “Profile America: Facts for Features,” U.S. Census Bureau, May 26, 2010
2 Social Security Administration, Fact Sheet, October 18, 2011
3 National Safety Council, Injury Facts 2010 Ed.
How it works:
An Individual Disability Income Insurance policy through the AAOS Member Insurance Program helps you pay your necessary living expenses if you have a qualifying disability. It is non-cancelable and has guaranteed premium rates to age 65, meaning the insurance carrier cannot change or cancel your policy—except for nonpayment of premiums—or increase your premium before you reach age 65, regardless of changes in your income, occupation, or health!
After age 65, you may still conditionally renew your policy annually for the rest of your life as long as you are working full time and meet the requirements. If you conditionally renew your policy, your premium will change based on your age at renewal.
How it pays:
You will be issued a maximum monthly total Disability Benefit based on your current income and occupation when you purchase your policy. Once disabled under the terms of the policy, you must satisfy your policy's elimination period before receiving benefits.