Alabama Accident & Disability Insurance

Alabama Accident & Disability Insurance Coverage

Coverage Is Issued By The Prudential Insurance Company of America.

Our Insurance Administrators Can Help You Find the Right Plan

At Insurance Specialists, Inc., we believe that helping our clients to find the insurance plan that is right for them is the most important thing we do. When you are trying to ensure protection for you and your family, you want to be able to trust your insurance administrators to provide the very best coverage for your situation. We do what we can to deliver the best and most fitting options, even going as far as determining affordable rates and customized coverage amounts for you and your family.

Have questions? Contact our team of professionals today for the answers you need!

Please note that not all products are available to all Associations. If you are a Member and have questions, contact an MSA.

Types of Insurance We Can Offer

For over 50 years, we have helped clients find the right coverage package for them. When you are looking for added protection from traumatic and terrible events, such as injuries, disabilities, dismemberment, or accidental death, our insurance administrators can help you find a product that matches what you need. Since helping our clients find what they need is our number one priority, we offer a wide range of coverage packages to choose from.

Long Term Disability Insurance

  • Added Protection against injury and illness
  • Affordable rates
  • Up to $11,000 in coverage per month
  • Your occupations definition of disability coverage
  • No offsets against Workers Compensation or Social Security
  • 30 to 180 day elimination period
  • Maximum benefit duration options, up to age 65

This package is available to members under the age of 60 who are actively working.

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Business Overhead Expense Disability Insurance

  • Up to $20,000 per month towards business expenditures
  • Coverage to help with rent, utilities, payroll, and other business expenses
  • 30 days in which you can eliminate your plan
  • 24 month maximum benefit duration
  • Affordable rates

This package is designed for Members of Bar, Medical, and Dental Associations to help finance office expenses during times of disability. It also only applies to members under the age of 60 who actively work.

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Accidental Death and Dismemberment Insurance

  • No medical underwriting for “guaranteed issue” coverage
  • Coverage up to $500,000
  • Affordable rates
  • Easy enrollment and application

Available to members under the age of 65.

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Comprehensive Accident Insurance

  • No medical underwriting for “guaranteed issue” coverage
  • Up to $500,000 in Accidental Death and Dismemberment coverage
  • Up to 365 days of Hospital Impatient Accident coverage
  • Accident Disability coverage for all disabilities from your accident
  • Affordable rates
  • Easy enrollment and application

Available to members under the age of 65.

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*Not all products on this page are available to all Participating Associations.Check your specific association page for a reference of your association's products.

These policies provide disability income and accident insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

IMPORTANT NOTICE - THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.

Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. CA COA #1179, NAIC #68241. Contract Series: 83500.

This site may contain marketing language on products issued by The Prudential Insurance Company of America that has not yet been approved in all states. 0295165-00001-00.

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