Plan Features

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" rowspan="2" width=210 BGCOLOR="#99CC99" TEXT="#080000" bgproperties="fixed" background="0448dfc3.jpg"> <div> <B><IMG SRC="04385640.png" border=0 width="133" height="100" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <div> <A HREF="id38.htm" TARGET="_top" TITLE="LongTerm Disability"><U><B>Long-Term Disability</B></U></A></div> <bR> <bR> <div> <B><IMG SRC="1a8a2740.jpg" border=0 width="162" height="116" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <bR> <bR> <bR> <bR> <div> <A HREF="id118.htm" TARGET="_top" TITLE="Insurance Overview"><U><B>Insurance Overview</B></U></A></div> <bR> </td> <td valign="top" colspan=2 height=110 BGCOLOR="#CCCC99" TEXT="#080000" bgproperties="fixed" background="0458dfe1esnpes.jpg"> <div> <FONT SIZE="6" COLOR="#336666" FACE="Arial" ><I><B>SUITER & ASSOCIATES</B></I></FONT><FONT SIZE="6" COLOR="#336666" FACE="Arial" ><B> </B></FONT><FONT SIZE="5" COLOR="#336666" FACE="Arial" ><B> </B></FONT><B>   </B><B>|</B><B>    </B><A HREF="index.htm" TARGET="_top" TITLE="Welcome!"><U><B>HOME</B></U></A></div> <div> <I><B>California License Number:  0E42710</B></I></div> <div> <B>Plan Features</B>   |   <A HREF="id67.htm" TARGET="_top" TITLE="Carriers"><U>Carriers</U></A>   |   <A HREF="id196.htm" TARGET="_top" TITLE="LongTerm Disability Sample Quotes"><U>Long-Term Disability Sample Quotes</U></A>   |   <A HREF="id182.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" height=370 colspan=2 BGCOLOR="#CCCC99" TEXT="#080000" bgproperties="fixed" background="0458dfc3.jpg"> <div> <I><B>Plan Features</B></I></div> <bR> <div> <I><B>How it Works</B></I></div> <bR> <div> Disability insurance primarily provides for replacement of your income.<FONT SIZE="4" COLOR="#000000" FACE="Franklin Gothic Medium" >  If you suffer a loss of income due to a disability which makes you unable to perform your duties, you could be eligible for benefits. Disability coverage can be purchased for different periods of time, but usually not beyond 66 years of age (when Medicare takes over).  </FONT></div> <bR> <div> Policies are sold to groups and individuals and vary widely, offering different features to meet  your needs.</div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b7011833660000.png" HEIGHT="19" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">You will want a policy that is "non-cancelable and guaranteed renewable."  </div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b7011833660000.png" HEIGHT="19" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">You have a choice of selecting the "waiting period."  The waiting period functions like a deductible in other forms of insurance.  In other words, there will be a delay of 30, 60, or 90 days, after the disability occurs before benefits become payable.  Typically, the longer the waiting period the lower the cost of your coverage.  </div> <bR> <div> Exclusions can include such things as war, riots, and committing an assault or felony.  Mental disorders and substance abuse may have limited benefits, such as a total of 24 months.  Refer to your sample insurance contract for specific limitations and exclusions, as these may vary depending upon carrier.       </div> <bR> <div> <I><B>Benefits </B></I><I><B>(Protect your way of life)</B></I></div> <bR> <div> <FONT SIZE="4" COLOR="#0000FF" FACE="Franklin Gothic Medium" >Generally, carriers will insure anywhere from 50% to 80% of your annual income.</FONT>  Some disabilities, such as back trouble or a heart attack, might allow you to remain in your career, but at reduced effectiveness or perhaps part-time.  Some policies provide residual benefits, that is, the carriers will prorate your benefit payment, based upon a partial disability. </div> <bR> <div> Riders are available that automatically increase your coverage each year (to keep up with inflation), guarantee your right to purchase additional coverage up to a certain age, or include payments to help with rehabilitation.  </div> </td> </tr></table></body>