Most people can’t afford to be disabled, even for a short time. Almost 90 percent of disabling accidents and illnesses are not work related, so you can’t count on Workers Compensation to be there for you and your loved ones.
The Disability Income Plus from Manhattan Life is designed to help provide you with a monthly income benefit for the time period you select (3 or 6 months) as you recover. This plan supplements lost wages due to a covered injury or illness.
You’ll receive a monthly payment that you can spend however you wish — to help cover everyday expenses, medical costs, or whatever you want!
1. Waiver of Premium. If an employee becomes disabled again within 180 days of returning to work, the elimination period is waived, and benefits are immediately available for up to the remaining benefit from the previous disability.
2. Pays in coordination with any existing disability coverage you may have.
3. Direct payment to you.
Important Covid-19 Information
ManhattanLife will follow Disability policy language outlined below as it relates to COVID-19 until further notice.
Disability Benefits
Disability benefits apply for an Accident/Sickness only and therefore a person diagnosed with COVID-19 would be covered under their disability plan.
A person that fits into any of the following categories would NOT be covered under their ManhattanLife disability plan:
• If you are asked to-self quarantine but are not sick.
• If your employer needs to shut down due to an employee contracting COVID-19 and have been asked to isolate or quarantine as a result.
Disability Policy Language
Totally Disabled: (Total Disability) means, for the first 24 months of a disability that the Employee is:
• unable to perform the substantial and material duties of His Regular Occupation;
• not working in any other occupation; and
• under the care of a Physician for the disability.
• Sickness: an illness, disease or complication of pregnancy that first makes itself known after the Effective Date and while this Policy is in force.
• Elimination Period: The policies elimination period would apply. If the policy has a 14-day elimination period, disability benefits would not start until the 15th day.
•Note: Elimination periods will not be waived due to COVID-19
Limitations and Exclusions
Benefits are not payable for losses contributed to or caused by:
• the Employee’s employment;
• Sickness or Injury for which Benefits are paid or payable under any Workers’ Compensation or occupational disease law;
Websites with additional information regarding COVID-19
• The Centers for Disease Control (CDC) Website: https://www.cdc.gov/coronavirus/2019-ncov/index.html
• Some states are addressing questions surrounding unemployment for workers and businesses due to COVID-19.
See Washington’s Q&A link here: https://esd.wa.gov/newsroom/covid-19
Watch this video to learn more
