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The ABE-sponsored Disability Plans

What's the Difference?
This website contains information on both our Long-Term and Mid-Term Disability plans. For a brief overview of why the ABE-sponsored Disability Plans might be right for you and your family, click here for your free whitepaper. Here's a quick comparison of the differences:

Plan Features	Long-Term Disability	Mid-Term Disability
Benefit Periods	Payable Up to Age 65	Payable Up to: 2 Years for Sickness 5 Years for Accident
Waiting Period	60, 90, 180 & 365 Day Waiting Periods for Member 90, 180 & 365 Day Waiting Periods for Spouse	60, 90 & 180 Day Waiting Periods for Member 90 & 180 Day Waiting Periods for Spouse
Partial Disability	Payable up to 24 months	Payable up to 6 months
Rates	Based on Benefit and Waiting Period Above Click Here for Rates!	Based on Benefit and Waiting Period Above Click Here for Rates!
Other	COLA (Cost of Living Adjustment) available	COLA not available

Commonly Asked Questions...

Q. Why are the Mid-term Disability Rates Less Expensive?

A. The Mid-term Disability rates are less expensive because of the benefit period for this plan...up to five years per accident and two years per accident and two years per sickness. The Long Term Disability plan is payable up to age 65 (or up to two years for disabilities beginning after age 63).

Q. Why Does the ABE Offer Two Different Plans?

A. The ABE offers different plans to meet your individual needs. These two plans allow members to choose which plan or combination of plans is best for their current situation.

Please see both the Mid-Term and Long-Term Disability plans for more detailed information on both plans.