APC Long-Term Disability Insurance
for spouse or domestic partner

The Health Alliance provides long-term disability (LTD) insurance to all full-time benefit eligible associates. We realize, however, that many of our associates’ spouses or domestic partners may not be covered under any income protection insurance. Long-term disability coverage is available for them at a discounted rate. For definition of domestic partner, see Your Eligibility for Health Alliance Benefits.

Coverage Options
The individually owned policy is designed to meet the needs of the policyholder and there are several options available. An insurance representative will be happy to meet with you to discuss the monthly coverage amount, length of payment period, and elimination period that best fits your financial needs. This insurance is fully underwritten, which means that a full medical history is required at the time of application. If a physical examination is required, it will be at the expense of the insurance carrier.

Cost of Coverage
The discounted cost of coverage varies depending on the age of the insured and the level of coverage selected. Premiums are on a bill-at-home basis and are not payroll deducted.

Enrollment Contact
Information and enrollment assistance with this benefit should be obtained through an insurance representative. Please call Chuck Hais at Brecek & Young Advisors, Inc. at 513-721-2513.