Accidental Disability
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Help protect your income and assets from the financial hardship a disabling accident can mean with IncomeShield — ROA's accident disability insurance plan. IncomeShield pays monthly benefits ranging from $2,000.00 up to $5,000.00, not to exceed 70% of your Basic Monthly Pay, if you become Totally Disabled due to a covered accident and are unable to work in your usual job.

IncomeShield offer a Waiting Period of 30 days, and acceptance is guaranteed to ROA Members, spouses, and members' employees under age 65 who reside in the U.S. and are Actively-At-Work, at least 25 hours or more per week. Spouses can not be legally separated or divorced from the Eligible Member.

How to Enroll

To enroll for coverage, download an an enrollment form by clicking on the link at the right of this page, or, to speak to a customer service representative, call our toll-free number: 1-800-247-7988. Contact Mercer Consumer to learn more about this plan, including costs, exclusions, limitations and terms of coverage.

This plan is not available in ID, MD, MT, OR, WA and WV.

 

Eligibility
Where available This plan is not available in ID, MD, MT, OR, WA and WV
Notes Acceptance is guaranteed to ROA Members, spouses and members' employees under age 65 who reside in the U.S. and are Actively at Work.
Details
  Summary
Type of Insurance Accident Disability Income Insurance
Designed For ROA Members, spouses, and members' employees under age 65
Underwritten by Hartford Life Insurance Company
Group Policy Number AGP-5222
Issue Ages Through age 64

Answers about the plan, including eligibility, options, enrollment, customer service and more.

To learn more about the Accident Disability Plan, contact the Plan Administrator, Mercer Consumer toll-free at 1-800-247-7988, or click on the Insurance Enrollment Form and Brochure link at the right of this page.
To enroll for coverage, download an enrollment form by clicking on the link at the right of this page, or to speak to a customer service representative, call our toll-free number: 1-800-247-7988.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Insurance Enrollment Form and Brochure - Not available in ID, MD, MT, OR, WA and WV.



Download Adobe Acrobat Reader

We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-800-247-7988
E-mail: roa.service@mercer.com
Hours: 7:30 am to 5:00 pm M-F (Central)
Web site: http://www.mercer.com

Insurance Company

Hartford Life Insurance Company
200 Hopmeadow St
Simsbury, CT 06089
Website: http://www.mercer-web.com/products/thehartford.html

SRP-1311 A (HL) (5222)

Important Notes:
This web site explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this web site and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Insurance Application and Brochure Download

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