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Mid-Term Disability Insurance Plan Rate Chart

Current Schedule of Benefits And Quarterly Premiums per $100 Benefit - as of 2015

Member
AGE

Member
60-DAY WAITING PERIOD
Member
90-DAY WAITING PERIOD
Member
180-DAY WAITING PERIOD
UNDER 35 $0.96 $0.74 $0.65
35 - 39 1.46 1.12 0.99
40 - 44 1.90 1.46 1.29
45 - 49 2.89 2.22 1.95
50 - 54 4.82 3.71 3.26
55 - 59 7.39 5.69 5.00
60 - 64 9.54 7.34 6.46
65 - 74* 10.64 8.18 7.20

* 65 and older for renewal purposes only.

Current Spouse/Domestic Partner Rate Chart per $100 Benefit - as of 2015

Spouse
AGE
Spouse
90-DAY WAITING PERIOD
Spouse
180-DAY WAITING PERIOD
UNDER 35 $0.92 $0.81
35 - 39 1.40 1.23
40 - 44 1.83 1.61
45 - 49 2.78 2.44
50 - 54 4.63 4.08
55 - 59 7.11 6.25
60 - 64 9.17 8.07
65 - 74* 10.23 9.00

* 65 and older for renewal purposes only.

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When Comparing Rates

Please keep in mind that although not promised or guaranteed, this plan is designed to generate dividends that an insured is asked to donate to fund ABE's charitable mission. If you do so, you are eligible for a charitable contribution deduction on your individual tax return. Members may also annually request that any available dividends be refunded to them. (For further details, see Dividend Notice for Long-Term Disability Plus, Long-Term Disability, Mid-Term Disability or Disability Retirement.)


NOTICE: This plan is not available to residents of Nevada, New Hampshire, Ohio, Vermont, all U.S. Territories, and all foreign countries.

Premiums are based on the insured's age when coverage becomes effective. They change on the November 1st coinciding with or next following insured's change in age categories as shown. A member must be insured to insure their spouse. Coverage terminates when member and/or spouse/domestic partner turns age 75, whichever comes first.

Future benefits and premiums are subject to change if agreed to by New York Life Insurance Company and ABE.

Benefits available in increments of $100 up to a maximum of $12,000 for members. Spouse/domestic partner benefits available in increments of $100 up to a maximum of $5,000. (Spouse/domestic partner benefit cannot exceed 9 times the member's benefit.)

Premiums may vary due to rounding when billed.

All ABE-sponsored plans are group insurance plans, meaning coverage is issued to an ABA member under a Certificate of Insurance. It is not provided under an individual policy, nor is it employer/employee insurance. Plans may vary and may not be available in all states.

Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 under Group Policy G-29902-0 on Policy Form GMR-FACE/G-29902-0.

We will be happy to answer your questions. Just call 800-621-8981 or email us at information@abendowment.org.

G-29902-0-A W15
2016 Insurance check-up
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