Disability Insurance replaces a percentage of your monthly income during your disability. If you become disabled and need to spend time away from work to recover, disability insurance can help offset the financial burden during this time. You can Get a Quote or talk with our representatives for more information.
Did you know?
According to a 2010 Council for Disability Awareness study, 71% of respondents think that disabilities are caused by serious injuries or accidents. But studies show that serious injuries are only 9% of disability claims. Common illnesses - joint pains, cancers, chronic diseases, pregnancy, depression - make up the remaining 90% of disability claims.
Long-Term Disability
| Long-Term Disability |
Economy |
Choice |
Premier |
Elimination period |
180 days |
90 days |
90 days |
Benefit percentage |
60% of monthly earnings |
60% of monthly earnings |
60% of monthly earnings |
Maximum monthly benefit |
$7,500 per month |
$15,000 per month |
$15,000 per month |
Minimum monthly benefit |
Greater of 10% of gross disability payment or $100 |
Greater of 10% of gross disability payment or $100 |
Greater of 10% of gross disability payment or $100 |
Definition of disability |
Two (2) years own occupation |
Two (2) years own occupation |
Three (3) years own occupation |
Maximum benefit period1 |
ADEA I |
ADEA I |
ADEA II |
Social Security integration |
Family |
Family |
Self |
Self-reported mental / nervous limitation |
12 Months |
12 Months |
24 Months |
Disability Plus® |
Not Included |
Included |
Included |
Rehabilitation & Return to Work Assistance |
Included |
Included |
Included |
1The ADEA I and ADEA II schedules outline the length of time the benefit will continue if the insured becomes disabled after age 60.
Short-Term Disability
Short-Term Disability |
Economy |
Choice |
Premier |
Elimination period |
14 days |
7 days |
7 days |
Benefit percentage |
60% of weekly earnings |
60% of weekly earnings |
60% of weekly earnings |
Maximum period of benefits |
24 weeks |
12 weeks |
12 weeks |
Minimum weekly benefit |
$25 per week |
$25 per week |
$25 per week |
Maximum weekly benefit |
$500 per week |
$500 per week |
$500 per week |
Definition of disability |
Any sickness or injury that prevents active work for more than 14 days |
Any sickness or injury that prevents active work for more than 7 days |
Any sickness or injury that prevents active work for more than 7 days |
*The Economy Short-Term Disability Plan has a longer benefit period than the Choice and Premier Short-Term Disability Plans to provide benefits throughout the longer elimination period under the Economy Long-Term Disability Plan.
Are you ready to consider GuideStone’s disability insurance? You can Get a Quote or talk with our representative for more information. Give us a call 1-888-98-GUIDE (1-888-984-8433) or send us an email.
Find out more about the additional benefits you will receive with term life coverage through GuideStone Financial Resources.