• Short Term covers on and off the job accidents, and gross weekly earnings a max of $800
• 30 Day Elimination Period for Injury and Sickness
• 22 Weeks Benefit Period
• Definitions of Disability is the inability to work in your OWN occupation

**Short Term Disability serves as the waiting period for the Long Term Disability when taken together

Long Term Disability

• Covers off the Job Accidents and Illnesses up to 50% of Gross Monthly earnings to a max. benefit of $5000.00 Monthly
• 180 Day Elimination Period for both sickness and accident Benefit
• Duration is 2 years
• Definitions of Disability is the inability to work in your OWN occupation Short and Long Term

Disability Benefits are subject to :
12 Month Pre-Existing Conditions Exclusion
12 Waiting Period for all Pre-Existing Conditions

Freight Haulers Of America
300 Jere Ford Memorial Highway
PO Box 784
Dyersburg, TN 38025-0784

Monday thru Friday
8:00 a.m. to 5:00 p.m. CST
Toll Free: 1-866-893-1168
Fax: 731-285-0994