Alumni
Disability Income SM

Long Term Disability Income Plan

Star NOTE: Alumni Disability Income is available in all states except AK, CO, OR, LA, NH, SD and UT.

What's your Personal Disability Quotient (PDQ) ?

Your PDQ represents your chance of becoming seriously ill or injured and unable to work for three months or longer, before age 65. To calculate your PDQ, you'll need to answer these simple questions:

  Gender
  Age
  What kind of work do you do?
  Body Mass
  Tobacco use in the past year?
  Lifestyle
  Do you have or are you undergoing treatment for diabetes, high blood pressure, high cholesterol, heart disease, cancer, chronic back or joint pain, drug, alcohol or food addition, anxiety or depression?
   
 
 

The Personal Disability Quotient was developed by the Council for Disability Awareness. The statistical basis for the PDQ calculator is the 1985 Commissioners' Individual Disability Tables A and C, Society of Actuaries.