Voluntary Long-Term Disability Insurance

Underwritten by Metropolitan Life Insurance Company New York, NY

Open Enrollment for New Independent Business Owners

Open Enrollment Eligibility: If you are a current IBO (not currently insured under the IBOBA Group Long-Term Disability 162250-1-G policy), you may enroll for the guaranteed issue amount. You must be under the age of 60 and a member of the Independent Business Owners Benefits Association, working a minimum of 30 hours per week, a citizen or legally able to work in the U.S., able to perform normal activities, and not be confined at home, in a hospital, or in any other care facility. Take advantage of this offer by enrolling within 60 days of becoming an IBO. Some occupations/industries will limit the total amount of voluntary long-term disability insurance available under this IBO group program.

Eligibility Requirements

Eligibility to enroll for Voluntary Long-Term Disability Insurance under the Independent Business Owners Benefits Association (IBOBA) is as follows:

• You must be a current Independent Business Owner (IBO) under the age of 60 and member of the Independent Business Owners Benefits Association.
• You must be a citizen or legally able to work in the United States.
• You must be able to perform normal activities and not be confined (at home, in a hospital, or in any other care facility).
• You must be working a minimum of 30 hours per week.

If you are engaged in the following Non-Preferred Industries, you can elect a benefit up to $500 providing it does not exceed 60 percent of your before-tax monthly earnings.

*List of Non-Preferred Industries

• Husbandry: commercial fishing; hunting and trapping
• Mining: coal mining; metal mining; underground mining; chemical and fertilizer mining; oil and gas field extraction
• Climbing: steeple-jacking; antenna installation
• Destruction: ammunition and explosives; wrecking and demolition; asbestos
• Vehicle: taxicab and bus drivers; water transportation; commercial and non-commercial pilots; automobile and motorcycle repair; professional sport racing; amusement parks; flight instructors
• Waste: refuse and sanitation systems (sewage); scrap and waste materials
• Justice: bail bondsman; justice, public order and safety (police, fire and ambulance); military personnel; detective and armored car; security guards and any occupation which requires carrying a weapon.
• Other: logging and saw mills; nuclear energy

Limitations and Exclusions

Pre-Existing Conditions

Disabilities that occur during the first 12 months of coverage due to a pre-existing condition during the 12 months prior to coverage are excluded.

A Pre-existing Condition is any Injury or Sickness for which You received medical treatment, advice or consultation, care or services, including diagnostic measures, or had drugs or medicines prescribed or taken in the 12 months prior to the day You become insured under the Policy.

Disabilities that occur as a result of the following are excluded:

• An act of declared or undeclared war or armed aggression.
• Your participation in a riot or your commission of a felony.
• An intentionally self-inflicted injury or sickness (or attempted suicide), whether you are sane or insane.
• Disability that is solely a result of a loss of professional license, occupational license or certification.

Termination of Coverage

Insurance will end on the earliest of:

• The date You are no longer eligible for insurance under the Policy;
• The date You reach the age of 65; or
• The date You begin active duty in the Armed Forces, National Guard or Reserves of any state or country or
• The date the Group Policy Ends; or
• End of the period for which the last premium has been paid by You

Back to Coverage Hightlights

IBOBA: When you register or renew as an IBO, you also become a member of the Independent Business Owners Benefits Association (IBOBA). The IBOBA is a non-profit association which promotes the interests of its members at the local, state and federal government levels, to use the power of group buying to make available to the members benefits and services such as travel programs, including automobile rental and hotel discounts, insurance, non-insurance healthcare discounts, and to provide educational information and forums. This insurance is just one benefit arranged through the IBOBA.

Disability insurance underwritten by Metropolitan Life Insurance Company New York, NY. Group Policy Form: 162250-1-G

Like most insurance policies, MetLife policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them inforce. All policies and riders may not be available in all states, at all issue ages and to all occupational classes. Coverage may be subject to underwriting approval. Please contact your plan administrator at 1-800-254-2327 for details.

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