A Disability Income policy can help keep you financially stable during difficult times by paying a monthly income, directly to you, when you are sick or hurt and unable to work. It is great as a primary income replacement plan or as a supplement to your salary continuation or group disability plan.

Policy Benefits

Monthly Income Amount: After you have been totally disabled because of injury or sickness for the elimination period selected, State Farm begins payment of the monthly income amount while you are totally disabled, up to the maximum benefit period you chose.

Partial Disability: If you remain partially disabled following a period of total disability, State Farm will pay 50% of the monthly income amount for up to six months.

Waiver of Premium: After benefits have been payable for three consecutive months, the subsequent premiums falling due are waived (paid by the Company) while your disability continues.

Rehabilitation Expense: If during a period for which total disability benefits are paid, you participate in a formal rehabilitation program, approved by the Company, State Farm will pay for the costs actually incurred for tuition, books, and equipment, up to six times the monthly income amount or $10,000, whichever is less.

Additional Purchase Option: On the fifth policy anniversary, you will have the option to purchase an additional disability income policy without evidence of insurability. Age, financial, and occupation class requirements must be met for issue and participation limits in effect on that date.

Optional Benefits**

Social Security Supplement Rider: Pays an amount in addition to the monthly income for total disability during the first six months that disability benefits are payable. To continue receiving benefits beyond six months, you must provide documentation that you have applied for Social Security disability benefits. Benefits for the seventh and subsequent months will be reduced by any benefits payable by Social Security.

Cost of Living Adjustment Rider: Provides for an additional benefit based on Consumer Price Index for All Urban Consumer, United States City Average, All Items (CPI-U) after benefits for total disability have been payable for twelve consecutive months. The CPI-U is limited to a 5% annual maximum and an overall maximum equal to the monthly income amount selected.

Note: This information provides only a brief explanation of coverage. It is not a contract. Modifications are applicable in some states. This policy may not be available in all states. 

* Combinations of coverages are subject to underwriting guidelines, the benefit period chosen, and your occupational class.

** These riders are available at additional cost.