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Who specializes in Long Term Disability Insurance for private schools?

ISM's Independent School Group Life and Disability Insurance Trust (IS/IT®) provides group Life and Disability Insurance specifically designed for private-independent schools.

Since 1978, we have dedicated ourselves to providing high quality, cost-effective group insurance coverages through out Independent School Group Life and Disability Insurance Trust. Our benefits are designed to provide faculty and staff a source of income for most any eventuality. When a disabled faculty member is ready to return to the classroom on a less than full-time basis, our liberal partial disability benefits make it economically feasible.

ISM Trust Group LTD Coverage Highlights

  • Choice of 180-, 90-, or 60-day qualifying (elimination) period.
  • Choice of 60% or 66 2/3% benefit, to a maximum of up to $10,000/month (higher maximum available with underwriting approval).
  • Additional 20% benefit through "Activities of Daily Living" feature.
  • Liberal definition of disability including benefits for the partial loss of occupation OR earnings.
  • Extended protection is available for key administrators who regularly work more than 40 hours per week.
  • Minimum benefit of the greater of 10% of gross monthly benefit or $100.
  • 6-month survivor income benefit.
  • NEW DIRECTIONS? Employee Assistance Program, including face-to-face counseling.
  • $350 monthly family care benefit
  • Coverage continued during sabbatical leave.
  • Conversion privilege for terminating employees.
  • Continuity of coverage provision for disabilities due to pre-existing conditions.
  • ISM's focus is on policy private-independent schools: We've been specializing in the industry for three decades.
  • Superior customer service is synonymous with ISM. We're most proud of our advocacy role. Our staff will assist you with every aspect of your plan.

Available Additional Benefits

  • 3% annual cost-of-living adjustment.
  • Pension supplememnt/retirement savings benefit of 5-15% of a disabled employee's monthly salary paid to the school's pension plan on behalf of the disabled employee—for deposit into the employee's 403(b) or 401(k) plan.
  • $200 monthly medical insurance premium payment benefit.
  • $3,000 critical illness benefit.
  • Housing allowance benefit for boarding school personnel who reside on campus.

The Independent School Group Life and Disability Insurance Trust (IS/IT) is underwritten by Union Security Insurance Company, rated "A-" (Excellent) by A. M. Best. Products and services are underwritten and/or provided by Union Security Insurance Company.

Learn More

To learn more about ISM's Independent School Group Life and Disability Trust, email ISM Director, Independent School Group Insurance Trust Lori Leonard, or call , 302-656-4944 for more details.

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