Short Term Disablility

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Help Protect Your Most Valuable Asset - Earning a Living with PIA's Short Term Disability Insurance Program

Product Offering
The medically underwritten PIA Trust Short Term Disability Income Insurance Plan helps protect your earnings when you become disabled as a result of injury and sickness as defined in the policy.

How Much Can Your Purchase?
You may apply for up to 75% of your monthly earnings, from a minimum of $100 to a maximum of $1,500 per month in $100 increments.

Elimination Period: Benefits commence after 30 days

Maximum Benefit Period

  • Under age 65: 30 months
  • Age 65-69: 12 months

Who Is Eligible To Apply?
A person described below is an eligible person if he or she:

  • is under age 65 at time of application
  • works at least 20 hours per week; and
  • resides in the United States

Individual proprietors, partners, corporate officers, limited liability partners, and managers of Member Agencies who are principally engaged in the business of the Member Agency and who maintain current membership status in the National Association of Professional Insurance Agents;

Trustees of PIA Services Group Insurance Fund who maintain current membership status in the National Association of Professional Insurance Agents;

Persons employed as executive directors, department heads, division heads, or senior staff of the National Association of Professional Insurance Agents, a local PIA affiliate, or PIA Services, Inc

Licensed employees of Member Agencies;

Independent Producers who:

  • work exclusively for a Member Agency;
  • maintain current membership status in the Professional Insurance Agents
  • receive from the Member Agency a monthly commission which, when combined with any draw against commission, equals an amount not less than minimum wage times 150 hours; and
  • are certified by the Member Agency as working at east 30 hours per week.

Employees of a Member Agency;

Employees of PIA Services Group Insurance Fund;

Employees of the National Association of Professional Insurance Agents or its local PIA affiliates and

Employees of PIA Services, Inc.

For complete highlights of this coverage, please download the Short Term Disability Insurance Brochure (268k pdf)

PIA National membership, when required, must be current at all times, please see the Eligibility section in the policy for membership exceptions.  

The complete listing of your coverage including exclusions and limitations can be found in the group policy/certificate.  If differences exist between this summary and the policy/certificate, the policy/certificate will govern.  To obtain a sample certificate, please contact the Plan Administrator.

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