The State Bar of California Sponsored Disability Income Insurance Plan

A plan that can only be cancelled by you.

If you were disabled by an illness or injury, the bills would keep coming: the mortgage and car payments, the tuition and grocery bills. Without an income, how would you cover these expenses month after month? Help alleviate that worry - with a noncancellable disability insurance plan from Union Central.

* Premiums must be paid. Beyond age 65, the policy is conditionally renewable for life.

You depend on your income...
Why risk losing your financial security in the event of a disabling illness or injury? You don't expect to become disabled, but it could happen. It happens to one in eight persons in any given year-yet most people are without disability income insurance.*

Union Central's Disability Income Insurance Plan goes to work when you can't. It pays a monthly benefit when you need it most-when you have no regular income and still have the same monthly living expenses.

An innovative approach to disability insurance with all the benefits you expect and more.
A Union Central disability plan pays you a monthly benefit if you should become disabled as the result of an illness or injury.

Your basic plan provides all the features, choices, benefits, and guarantees explained in the chart on the following page.

* Commissioners' Disability Table, 1986

Basic NonCancellable Disability Income Plan		Premium discounts make a good value even better. Reduced premiums are available to policyholders who meet certain requirements. You may receive a lower premium if you: Do not use tobacco. Are insuring three or more lives in a company. Are a member of an endorsed association. Pay a double annual premium when your policy is issued. (Not available in New York.) A plan that goes to work when you can't. You can't foresee the future, but you can plan for the unexpected - with a noncancellable disability insurance plan from Union Central. Ask your Union Central agent to help you design the plan that's right for you. It could be one of the best decisions you'll ever make.
Features	Explanation
Choice of benefit periods and waiting periods	Choose from four benefit periods (one, two, or five years, or to age 65) and as many as six waiting periods.
20-day policy examination period	You may keep the policy for 20 days before deciding to purchase it.
Noncancellable until age 65	The policy cannot be cancelled as long as the premiums are paid. Beyond age 65, the policy is conditionally renewable for life.
Guaranteed premium rates	Premium rate is guaranteed as stated in the policy and will not increase if paid as due until age 65.
In addition to income protection, the following benefits are included:
Coverage	Explanation
Survivor benefit	If you should die after satisfying the waiting period and income is being paid under the policy, an additional three months of income will be paid to your surviving spouse, if any; otherwise, to your estate.
Nondisabling injury	If you suffer a nondisabling injury requiring medical treatment prescribed by a physician or requiring repair to natural teeth prescribed by a dentist, the plan will pay the expense of such treatment up to the maximum amount stated in the policy.
Good health benefit	For every policy year you complete without receiving benefits under the policy, the waiting period will be reduced by two days. The benefit will not reduce the waiting period to less than 30 days. Not available in New York.
Successive periods of disability	If disability recurs from the same or a related cause within six months of the disability for which benefits were being paid, the waiting period will be waived.
Specific loss	For certain losses, such as the total loss of sight, hearing, speech, or use of upper or lower limbs, total disability benefits will be paid for up to the maximum benefit period from the date of loss.
Surgical transplant	If your disability is the result of your having been a surgical transplant donor after six months from the issue date of your policy, the waiting period will be waived.
Waiver of premium	If you are totally disabled for at least 90 days, premium payments will be waived during the period of total disability and back to the date of loss.
Reduced premium	If you do not use any form of tobacco, you will pay a lesser premium than tobacco users.
Rehabilitation	The plan may pay for a rehabilitation program in addition to payment of the monthly income benefit.

Riders provide additional benefits beyond those listed in the base policy. To expand your coverage, you may add any of the riders (unless otherwise indicated) noted in the enclosed insert sheets.* *May not be available in all states.