The disability must be a result of a covered illness or injury. If the disability begins after your 63rd birthday, but before your 70th, benefits are payable for up to two years if disability continues for that period. Member must be insured to insure spouse. The ABE Long Term Disability Plan also allows you to choose when you want to receive your benefits. The waiting period begins on the first day of total disability occurring after the effective date.
Benefits are payable the day after the chosen waiting period has been satisfied.
The partial disability benefit will continue for up to two years or to the end of the maximum benefit period for total disability, if earlier, provided the partial disability is the direct result of an injury or sickness that caused total disability and you are under the regular care of a physician. This option will help your benefit keep pace with inflation if you become totally disabled. Premiums for an insured person will be waived while that insured person is disabled and receiving Disability benefits on a specific plan. Waiver of Premium terminates when disability benefits have ceased. If the disability follows this course, you will not be subject to additional waiting periods.