Delaware County Bar Association

USI Affinity is pleased to partner with the Delaware County Bar Association to bring you, the member, exclusive insurance products of exceptional value and quality. We understand that your reputation and assets are the foundation of your success. That is why we are pleased to offer 11 products to you, your family and your organization. These options not only help you custom-tailor your protection, but ensure that you pay only for what you need.

Endorsed Products:

Lawyers' Professional Liability

  • No consent to settle provision, or "hammer clause"
  • Continuity of coverage
  • Easy claim reporting
  • Premium discount of up to 5% for attending bar association's malpractice avoidance seminars

Medical

  • Guarantee issued products available to professional groups regardless of size. Whether you are a group of 1 or a group of 100+, there is no medical underwriting or medical questions to answer. Participation Guidelines apply.
  • Full range of products available to association members include HMOs, Point of Service, PPOs, and High Deductible Health Plans just to name a few.
  • Group coverage for Sole Proprietors.
  • Choice of billing modes include monthly, quarterly, semi-annual or annual.

Dental

  • Guaranteed issue for both Basic and Comprehensive options
  • No deductibles, 100% benefit for preventive, basic, diagnostic and minor restorations
  • 70% benefit for Periodontics; 50% benefit on Prosthetics, Crowns, & Orthodontics
  • No medical underwriting, participation guidelines only
  • Paper enrollment form required from each employee, employer must sign
  • Flexible billing schedule: monthly, quarterly, semi-annual, and annual

Vision

  • Free Standing experience rated plans with annual vision benefits
  • Community based vision riders
  • Extensive provider network

Group Life

  • Member, Spouse & Employees are Eligible
  • Benefit Amounts from $50,000 - $1,000,000
  • Volume Discounts
  • Accelerated Death Benefit
  • Non-Smoker Discount
  • Waiver of Premium
  • AD&D Option Dependent Children Coverage Optional
  • Renewable to age 80

Group 10-Year Level Life

  • Benefit Amounts From $50,000 - $1,000,000
  • Rates Guaranteed For 10 Years
  • Coverage Renewable To Age 75
  • Volume Discounts
  • Preferred Rates For Qualified Non-Smokers
  • Portable Protection – Opportunity for coverage to stay with you.
  • 30-Day “Free-Look” Provision
  • Benefit Level That Never Decreases

Disability Income

  • Your “Own Occupation” Protection
  • Choice of Benefit Periods, Benefit Amounts & Waiting Periods to customize a Plan that meets your individual needs.
  • Waiver of Premium During a Period of Disability
  • Survivor Benefit Included
  • Optional Riders: Residual Benefits, Cost of Living Adjustment, Guaranteed Purchase Option & Recovery Benefit Option

Long Term Care

  • Members and spouses eligible to apply to age 80
  • 30-day free look
  • Spousal/Domestic partner discounts available
  • Preferred Health Discount available
  • 2-year Prepayment Discount available
  • Choice of Indemnity or Reimbursement plan
  • Inability to perform at least two activities of daily living to be eligible for benefits

Accidental Death & Loss Of Use

  • Benefit for Injury from Covered Accidents – Accident, Death or Loss of Use
  • Permanent & Total Disability Due to Injury
  • Family Coverage Available
  • Survivor Benefit
  • $25,000 - $300,000 Principal Sum

Business Overhead Expense

  • Pays Covered Expenses (Actual Overhead Expenses of Your Office) for 24 Months
  • Waiver of Premium Included
  • Guaranteed Purchase Option Available
  • Choose Your Monthly Benefit