Help Protect Your Most Valuable Asset – Your Income

With products offered by the PIA Trust.
October 15, 2019

Since 1931, independent insurance agents have discovered the many advantages of joining PIA. Chief among those advantages is access to the products offered by the PIA Services Group Insurance Fund, also known as the PIA Trust. These products include: basic, voluntary, and dependent term life; long/short term disability; business overhead expense; and hospital income protection for PIA members, their employees, and families. All products except Basic Life can be purchased by PIA member agency employees with no minimum participation limit.

PIA Trust Long Term Disability Income Insurance Plan

For many people, disability means an interruption in earnings that can put them financially at risk. Even with group coverage, benefits may not be sufficient to cover the extraordinary costs of a severe disability.

The PIA Trust Long Term Disability Income Insurance Plan can provide protection whether you are totally disabled or disabled and working. With no medical underwriting necessary (a pre-existing condition limitation may apply) and additional flexible options available, you can easily customize a plan to suit your own needs.

The PIA Trust Long Term Disability Income Insurance Plan helps protect your earnings when you become disabled as a result of an injury or sickness as defined in the policy.

How Much Can You Purchase?

You may apply for up to 60% of your monthly earnings, from a minimum of $200 to a maximum of $8000 per month in $100 increments. There is no medical underwriting, however, a pre-existing condition limitation may apply.

Benefit Period Options

You have the choice of three benefit periods and may select the one which best suits your needs:

  • to age 65 Benefit period
  • 5 year Benefit period
  • 2 year Benefit period

Policy terminates at age 70.

Elimination Period Options

  • 90 days
  • 180 days

Learn More Today

To learn more about any of the products offered by the PIA Services Group Insurance Fund, visit or contact Lockton Risk Services, Inc. at 1-800-336-4759.

PIA National membership, when required, must be current at all times. The complete listing of these coverages including exclusions and limitations can be found in the policies/certificates. If differences exist between these summaries and the policies/certificates, the policies/certificates will govern. The policies/certificates may vary or be unavailable in some states.

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