This valuable membership benefit offers coverage equal to 60% of your monthly income. There are two plans to choose from, Plan A, up to $6,000/mo. max. of tax free benefit and Plan B, up to $15,000/mo. max. of tax free benefit. You can expect premium rates to be 30-70% less than individual disability policies with similar policy features. Your benefits start after 90 days of total or partial disability. Benefits are payable to Social Security Normal Retirement Age (SSNRA) or longer. You have Own Occupation protection for entire benefit period and Cost of Living Adjustment (COLA) included. There are no Benefit Offsets with individual disability you own and No Benefit Offsets for AUM fees earned prior to disability.

Included at no extra cost is the Annuity Contribution Benefit included, 10% of monthly earnings, up to $5,000/mo and an Assisted Living Benefit, 20% of monthly earnings, up to $4,000/mo. Lastly, it has a Comprehensive Employee Assistance Program (EAP) included.

When you've decided which Plan Option is right for you, Plan A  or Plan B you can click the LTD calculator link at the bottom of this page to calculate your benefits and premium or go straight to the easy online application and apply for coverage.

New eligible NAPFA members have 60 days from their date of membership to apply, guaranteed issue, no medical questions asked. Employees of a NAPFA member or NAPFA Member Firm must be employed for 90 days, they then have 60 days to apply, guaranteed issue.

We want to thank you for your interest in these exciting member benefits and hope you will contact us with any additional questions you have that are not addressed on this site.

John Ryan, CFP®

NAPFA Resource Partner

Disability Insurance Plan Administrator