The Employees Comprehensive Disability Program Will!
Choice of Plans!  Both Short Term and Long Term Plans!
Guaranteed Acceptance - No Health Questions Asked!
Pays up to 60% of Your Earnings!
Pre-existing & Partial Disability Benefits!
Payroll Deducted - No Bills or Check Writing!
Economical Group Rates!

Employees Select Their Benefit Amount
     Employees select the maximum weekly benefit amount for their plan, from $100 to $1000 per week to be paid if absent from work due to an illness or accident.

Benefit Period
     In the event of a covered disability, employees select the benefit period best suited for them - options include 90 days. 6 months, 1 year, two years and more.

Elimination Period
     The elimination period can be as little as 7 days to 1 year - the employee decides which option best suits their needs.

Direct Payment of Benefits
     Benefits for covered disabilities are paid directly to the employee to spend as they want.

Premium Waiver
     From the first day of the month after the employee is totally disabled for at least 90 days and are receiving benefits under this plan, no premiums are due from the employee until benefits end.

Definition of Total Disability
     The employee must be unable to perform all of the duties of their occupation, be under the regular care and attendance of a legally qualified physician, and not be receiving earnings for performing any work or service.  Loss of license to perform an occupation does not in itself constitute total disability.

Partial Disability Benefits
     This plan pays benefits for partial disability equal to 50% of the employees regular weekly benefit up to 13 weeks after a covered total disability.  Partial disability means, as a result of the injury or illness which caused the employees covered total disability, they are able to perform:  a) one or more, but not all, of the main duties of their occupation, on a full-time or part-time basis, or b) any of the main duties of their or any other occupation on a part-time basis.
     In order to receive benefits for partial disability the employee must be partially disabled within 30 days of the end of a total disability for which benefits are payable; earn less than 80% of their insured weekly earnings, remain under continuing care of a physician, and submit proof of the continuing partial disability.  Partial disability benefits will be paid until the date the employee ceases to be partially disabled; payment of 11 weeks of partial disability; or the date the maximum benefit period ends, whichever occurs first.

Recurrent Disability
     When the same or related disabling condition for which the employee previously received benefits reoccurs within 14 days, the condition will be considered part of the original disability, and benefits will resume immediately.

Pre-Existing Conditions
     Benefits are paid for pre-existing conditions (as defined) equal to 50% of the employee weekly benefit amount for a maximum benefit period of 5 weeks.  Benefits for a pre-existing condition (one that required medical treatment or advice during the 12 month period prior to the effective date of the employee coverage under this plan) are available.
Benefits for a pre-existing condition are payable when the disability begins during the first 24 months of coverage.  The pre-existing condition benefit will be 50% of the weekly benefit amount.  The maximum benefit period for a pre-existing condition is five weeks.  When the disability begins after the first 24 months of coverage, benefits are paid the same as a sickness.

If you are serious about finding solutions,
please contact us at:

Integrated Benefits Services, Inc.
93 Case Street, Canton, Connecticut 06019
Tel. (860) 693-6725 - Toll Free (888) 909-IBSI (4274)
Fax (860) 693-9475

If you have any questions or need further information on any of our services, please fill-out our Information Request Form or
E-mail us at services@ibsbeneflex.com