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Disability Income Protection

(Endorsed Carrier: Sun Life Financial)

When something happens out of the blue

The disability income protection plans are available to school administrative employees, certified and non-certified teachers, and other non-certified employees working a minimum of 20 hours per week. We are able to offer this coverage through Sun Life Financial.

The disability income protection plans available offer the following advantages to participating school districts:

  • Easy administration with minimal record keeping
  • Fast, professional attention to claims
  • The option of selecting coverage for all employees or specific classes of employees
  • Affordable coverage designed to meet the needs of school district budgets
Plan Features
  • Family care expense credit
  • Qualifying period interruption
  • Conversion privilege
  • General freeze on benefit reduction
  • Rehabilitation benefit
  • Integration of benefits
Long-Term Disability Income Protection Options
Premier

Plan full integration of sick days with the elimination period. Benefits do not begin until the elimination period is met AND all accumulated sick days are exhausted.

Standard

Once the elimination period is satisfied, the employee then chooses to EITHER start receiving disability payments or continue using sick days, if available.

Short-Term Disability Income Protection

This benefit is typically offered with first day coverage for accidents and a seven day elimination period for sickness. The benefit is usually a small weekly amount to help employees who do not have enough sick days accumulated to reach the elimination period for a long term disability plan.

Voluntary Disability
  • 100% employee paid
  • Short- or long-term
  • Qualifying periods of 30, 90 or 180 days
  • No health questions
  • Benefits payable to age 65
  • Conversion privilege

Download our brochure for more information.

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Who We Are

CMRegent insurance

A leading commercial property and liability insurance company dedicated to serving public and private schools, colleges and universities.

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CMRegent Solution

Proudly providing school employee benefit products and third-party claims administrative services.

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