Coldwell Banker Individual Short Term Disablity (ISTD) Benefit
ENROLL BY SEP 20, 2019
Important Policy Features
Inability to perform the substantial and material duties of your occupation and not working in any other occupation for the duration of the disability.
Benefits begin after 30 days of approved disability.
The maximum monthly benefit is $3,000.
Monthly benefits are provided on a tax-free basis for a flat rate of 3,000.
Benefits are provided on a tax-free basis as long as you continue to pay premiums with after-tax dollars.
There is a pre-existing condition of 12/12
Benefits are guaranteed renewable to age 72.
Special Policy Features for Coldwell Banker Agents
Coverage is provided on a guaranteed standard issue basis (i.e. no physical exam is required).
Your coverage is fully portable (i.e. the coverage does not end if you leave the company and continue to pay premiums)./p>
Phelps Dunbar has negotiated a 25% discount from Unum.