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2010 Standard Insurance Company 15082PPT (8/14) SI/SNY Disability Income Protection 101 Standard Insurance Company | The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance in all states except New York. The Standard Life Insurance Company of New York is only licensed to issue insurance in the state of New York. Slide 2 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY Many of us act as if we are superheroes. We like to believe that disabling accidents and illnesses wont happen to us. Fantasy NOTE: For policies issued in New York: This policy would provide disability income insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio is at least 55% for individual coverage, at least 60% for guarantee issue coverage, and either at least 60 or 85% for franchise coverage, depending on the product purchased. This ratio is the portion of future premiums which The Standard expects to return as benefits, when averaged over all people with the applicable policy. 15082PPT (8/14) SI/SNY Slide 3 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY More than one in four of todays twenty-year-olds will become disabled before age 67.* *Social Security Basic Facts, April 2, 2014 Reality 15082PPT (8/14) SI/SNY Slide 4 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY Unless we are independently wealthy, many of us depend on our ability to earn an income. In the event of a long-term illness or accident happens, we could be facing harsh financial consequences. Reality Slide 5 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY These are examples of paid claims by The Standard and are provided for illustration purposes only. This list is not intended as an inclusive representation of all claims paid by The Standard. The descriptions of the conditions listed are only general descriptions and having one or more of the listed conditions does not establish disability. Each claim submitted to The Standard is evaluated on its own merits and according to the terms of the applicable policy. How Does It Happen? Slide 6 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY The Length Of Disabilities Is Tending To Increase Could you manage financially if you were unable to earn an income for the length of time shown for your age group? Slide 7 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY Workers Compensation? Did you know that only 5% of disabilities are job-related?* How Is Your Income Protected? *Council for Disability Awareness, Long-Term Disability Claims Review, 2012.Council for Disability Awareness, Long-Term Disability Claims Review, 2012. Slide 8 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY Long Term Disability Insurance Coverage is usually limited to 60% income replacement to a monthly dollar maximum plan cap Benefits may be reduced by taxes Coverage may exclude commissions and bonus income How Is Your Income Protected? Slide 9 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY You Can Still Be A Superhero (and protect yourself and your loved ones) 15082PPT (8/14) SI/SNY Slide 10 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY The Standard offers several options designed to provide monthly income in the event you are unable to earn your usual income for an extended period of time: Protector Platinum SMProtector Platinum SM Protector+ SM *Protector+ SM Protector Essential SMProtector Essential SM Platinum Guarantee Issue SMPlatinum Guarantee Issue SM Individual Disability Income Insurance * In states where Protector Platinum is not available. The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Ore. in all states except New York, where insurance products offered by The Standard Life Insurance Company of New York of White Plains, N.Y. 15082PPT (8/14) SI/SNY Slide 11 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY If you ever become disabled and need to make a claim, youll discover The Standards exceptional service and compassionate claims philosophy. The Standards goal is to give you the kind of expert, empathetic service its employees wish for themselves and their families. You Can Count On The Standard Slide 12 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY A leader in disability insurance, you can be confident The Standard is financially strong and can pay what it promises now and in the future. You Can Count On The Standard Slide 13 2010 Standard Insurance Company 15082PPT (8/14) SI/SNY The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Ore. in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, N.Y. Product features and availability vary by state and company and are solely the responsibility of each subsidiary. Each company is solely responsible for its own financial condition. Standard Insurance Company is licensed to solicit insurance business in all states except New York. The Standard Life Insurance Company of New York is licensed to solicit insurance business in only the state of New York. These policies have exclusions and limitations and terms under which the policies may be continued in force or discontinued. Some policy provisions and available riders may vary by state. For complete costs and coverage details, please contact your insurance representative, or The Standard at 800. 247.6888 (800.378.6057 in New York). Forms B152, B152AMR (in New York only), B152GI, B170, B170AMR (in New York Only), B170GI