Disability

Alliance Benefits offers a safety net in the event you are unable to work for an extended time due to a serious illness or injury.
 

You are covered by C&MA’s Long Term Disability plan if:
  • You enroll in a Premium medical plan: Gold PPO, Silver PPO, Silver HDHP or Bronze HDHP
  • You are a citizen or resident of US or Canada

 

You are considered disabled if:
  • Because of sickness or injury, you are unable to perform the material duties of your regular occupation and
  • You suffer a loss of at least 20% of your wages (This applies during the first 24 months of benefits. Beyond this time period disability classification depends on your ability to perform the material duties of any occupation.)

 

Additional Information about Disability Claims
  • If your disability claim is approved, you will receive 60% of your salary (including ministerial housing allowance if applicable), up to $5,000 per month
  • Benefits begin after a 90-day waiting period
  • Preexisting condition limitations may apply
  • Generally, benefits may be paid until age 65 if you continue to meet the criteria
  • Benefits may be taxable income. Check with your financial advisor for IRS rules
  • Your long term disability benefits may be reduced based on other deductible income such as Social Security disability
  • Long Term Disability coverage is not available for separate purchase

CONTACT

Company Alliance Benefits
Hours

8am-5pm MT

Mon-Fri

Phone (800) 700-2651
E-mail

benefits@cmalliance.org