The CBS Disability Insurance Program

Chiropractic Benefit Services offers the best disability policy available on the market, at the most competitive rates. Here are just a few of the benefits of the CBS policy:

• Policies are underwritten by MetLife, a leader in the insurance industry for more than 130 years! As of May 31, 2001 , the MetLife Companies had approximately $300 billion in assets under management, and exceptionally high ratings from A.M. Best, Standard & Poor's, Fitch's and Moody's.

• You can choose a policy that will cover you until you're 65 years old! Many other policies are good for only two to five years.

• You can pick your "elimination period," the time between when you're disabled and when you start receiving benefits. The longer the period, the less you'll pay in premiums. If you have enough savings to cover three months' living expenses, you can choose a 90-day elimination period and significantly reduce the policy's cost.

• Policies are guaranteed renewable -- your policy cannot be canceled while premiums are being paid. That means the company can't suddenly decide to drop you, as so many health insurers have in the past few years. And your premium can't be adjusted just because you've made a claim in the past.

• Choose from valuable provisions like a cost-of-living rider, which increases benefit amounts to keep up with inflation. There's also a return-of-premium rider that allows you to get back half of all premiums paid after five years if no claims are made (where permitted by state law).

• You're helping support chiropractic. Unlike most other insurance providers, CBS donates part of its profits back into the profession, funding research and contributing to the development of evidence-based guidelines that help support our practice.

• The best customer service you'll find. Our representatives care about our policy holders and the CBS president, Timothy Feuling, welcomes phone calls and e-mails and will provide information or assistance whenever possible.