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.