Receiving Benefits

You can begin receiving benefits after you have been unable to work for 90 to 180 days (based on the plan your employer selected) because of illness or injury and you are under a physician's care. Zurich American Life Insurance Company (Zurich) periodically reviews your claim while you are receiving benefits. You will continue to receive benefits as long as your disability continues, depending on your age at the time you become disabled.**

For more information on receiving long-term disability insurance benefits, call Client Services at (866) 802-6333, Monday – Friday, 8:30AM – 8:00PM ET (excluding holidays).

Pre-Existing Conditions

Don't wait until you need coverage to make sure you'll be taken care of in case of an emergency.

You may not receive benefits if you’re disabled during the first year of coverage as the result of a pre-existing condition.

To learn more about pre-existing conditions and long-term disability insurance, call Client Services at (866) 802-6333, Monday – Friday, 8:30AM – 8:00PM ET (excluding holidays).

 

** For claims occurring on or after January 1, 2020, your claim will be administered by Zurich. For claims occurring on or before December 31, 2019, your claim will be administered by Lincoln Financial Group. For claims occurring on or before December 31, 2015, your claim will be administered by First Unum Life Insurance Company of America.

 

Policy Number: CNYEX01112
Disability Insurance Disclaimer