Help Build Your Family’s Financial Future with PIA Trust Insurance Plans
As a PIA member you can choose from several high-quality, competitively priced insurance plans to help protect you, your employees and families. You can customize your protection to best meet your family’s insurance needs. Your employees may apply for all of the following plans without your participation, except for Basic Life.
Term Life Insurance Program
Mortgage payments, education, health care and daily living expenses continue for your family if something happens to you. Help protect their financial future with $50,000 Basic Life Insurance available to Agency Owners/Managers and up to $30,000 for their employees. This Basic Life coverage is only available if there is 100% participation of eligible employees and the employer contributes 100% of the premium. There is no medical underwriting. Additional term life insurance up to $300,000 is available through the Voluntary Life Insurance Program (medically underwritten). If you have Basic or Voluntary Life, Dependent Term Life Insurance is also available with up to $100,000 for spouses (medically underwritten) and $10,000 for children (ages 6 months to 19 years) and $500 for children (age 14 days to 6 months). Children are not medically underwritten.
Short Term Disability
This plan can help replace up to 75% of your income for up to 30 months if you are unable to perform the material and substantial duties of your occupation. You may choose up to $1,500 per month.
Long Term Disability
(NOT MEDICALLY UNDERWRITTEN)
Consider how you would manage if a long-term disability reduced your earning power. If you become disabled this plan can help replace up to 60% of your lost income on the base plan and up to 100% in the event of a catastrophic disability. The base plan offers monthly benefit amounts from $200 to $8,000. The optional catastrophic disability plan can provide up to $3,200 per month. There is no medical underwriting, however, disability income benefits are subject to a pre-existing condition limitation.
If you are in the hospital, this plan offers up to $200 a day for employers, employees and their spouses and children to help cover the costs incurred.
Business Overhead Expense
Help keep your practice active when you are disabled. Benefit options of up to $10,000 per month are available for members maintaining their own offices.
Accidental Death & Dismemberment
This plan covers up to $400,000 for loss of life or injury sustained from a covered accident. You and your qualified dependents can be covered 24 hours a day, anywhere in the world - at home, at work, or on vacation.
Learn More Today
To learn more about any of the products offered by the PIA Services Group Insurance Fund, visit www.piatrust.com 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.