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aria-label="breadcrumb" class="breadcrumb-wrapper"> <div class="container"> <div class="w-full"> <ul class="breadcrumb"> <li class="breadcrumb-item"> <a href="/es/" itemProp="item"><span itemProp="name">Organización católica fraternal</span></a> </li> <li class="breadcrumb-item"> <a href="/es/que-hacemos/" itemProp="item"><span itemProp="name">Qué hacemos</span></a> </li> <li class="breadcrumb-item"> <a href="/es/que-hacemos/seguros/" itemProp="item"><span itemProp="name">Proteja lo que más le importa</span></a> </li> <li class="breadcrumb-item active"> <span aria-current="page" tabindex="0">Seguro de ingresos por discapacidad</span> </li> </ul> </div> </div> </nav> <div class="product-container"> <div class="product-content-section"> <h1 class="page-header__title" >Seguro de ingresos por discapacidad</h1> <span class="page-header__subtitle"> <div class="rich-text "> <p>Proteja su activo financiero más importante: Su salario.</p> </div> </span> </div> <section class="product-main-info-card" style=""> <section class="info-card"> <section class="info-card-image-wrapper" style="background-image: url(https://files.kofc.org/images/assets/Smiling+Young+Couple+Holding+Child/c230b0f0d21511f0adea2a4d06eae48a); background-size: cover; background-position: center; background-repeat: no-repeat;"> </section> <section class="info-card-content"> <section class="micro-card-grid card-grid score-stripe"> <div class="container"> <div class="w-full"> <div class="section-header text-left"> <H2 class="stripe-heading-text info-card-content-header">¿Necesito un seguro de ingresos por discapacidad?</H2> <span class="info-card-content-description subtitle"> <div class="rich-text "> <p>El seguro de ingresos por discapacidad ayuda a reemplazar los ingresos perdidos, si no puede trabajar debido a una discapacidad causada por una enfermedad o un accidente. Ayuda a proteger su activo financiero más importante, su salario, por lo que debería ser una parte importante de la planificación de cada familia. El seguro de ingresos por discapacidad provee: </p> </div> </span> </div> <div class="content-area"> <div class="score-card micro-card default"> <div class="image-wrapper"> <svg class="icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64"><g class="icon-group" fill="#112866"><path d="M62.653 38.308a5.33 5.33 0 0 0-6.443-1.1l-7.746 4.129a5 5 0 0 0-.437-.594 5.15 5.15 0 0 0-3.575-1.712c-.1 0-.189-.006-.283-.006H32.313a3.46 3.46 0 0 1-1.782-.511 16.1 16.1 0 0 0-7.615-1.941q-.347 0-.693.015c-7 0-12.391 4.445-14.637 6.651l-.113-.113a1.52 1.52 0 0 0-2.153 0L.446 48A1.523 1.523 0 0 0 2.6 50.154l3.8-3.8 12.464 12.467-2.578 2.578a1.523 1.523 0 0 0 2.154 2.154l3.655-3.655a2.62 2.62 0 0 1 1.866-.772h13.751a11.3 11.3 0 0 0 5.991-1.727l17.8-11.184a5.4 5.4 0 0 0 .687-.509 5.23 5.23 0 0 0 .464-7.4M21.179 56.83 9.743 45.392c1.934-1.881 6.635-5.762 12.545-5.763q.307-.013.59-.013a13.05 13.05 0 0 1 6.149 1.541 6.43 6.43 0 0 0 3.28.91h11.99a2.14 2.14 0 0 1 2.009 2.2 2.316 2.316 0 0 1-2.346 2.061H28.329a1.523 1.523 0 0 0 0 3.046h15.715a5.31 5.31 0 0 0 5.3-4.892c0-.057-.008-.111-.007-.167l8.307-4.428a2.3 2.3 0 0 1 1.082-.272 2.25 2.25 0 0 1 1.66.722 2.183 2.183 0 0 1-.2 3.072 2 2 0 0 1-.295.218L42.079 54.82a8.23 8.23 0 0 1-4.371 1.259h-13.75a5.6 5.6 0 0 0-2.779.752m-.6-21.992a1.525 1.525 0 0 0 1.288-2.338A19.19 19.19 0 0 1 34.679 3.357a19.4 19.4 0 0 1 3.452-.311 19.2 19.2 0 0 1 15.72 30.141 1.523 1.523 0 1 0 2.5 1.738A22.244 22.244 0 0 0 38.13 0a22.6 22.6 0 0 0-4 .359 22.236 22.236 0 0 0-14.844 33.77 1.51 1.51 0 0 0 1.287.71" /><path d="M36.858 20.135h4.874a1.523 1.523 0 1 0 0-3.046H39.6v-2.133a1.523 1.523 0 1 0-3.046 0v2.163a3.951 3.951 0 0 0 .3 7.89h2.437a.914.914 0 1 1 0 1.827h-4.874a1.523 1.523 0 1 0 0 3.046h2.133v2.133a1.523 1.523 0 1 0 3.046 0v-2.163a3.951 3.951 0 0 0-.3-7.89h-2.437a.914.914 0 1 1 0-1.827m1.219-.305" /></g></svg> </div> <div class="caption"> <div class="score-card-body"> <div class="rich-text "> <p>Reemplazo de ingresos para usted y su familia</p> </div> </div> </div> </div> <div class="score-card micro-card default"> <div class="image-wrapper"> <svg class="icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64.049"><g class="icon-group" fill="#112866"><path d="M62.862 8.285 42.607.093a1.28 1.28 0 0 0-.959 0l-19.776 8L2.1.093A1.28 1.28 0 0 0 .9.224 1.3 1.3 0 0 0 .327 1.3v53.252a1.3 1.3 0 0 0 .811 1.211l20.255 8.193a1.3 1.3 0 0 0 .958 0l19.776-8 19.777 8a1.28 1.28 0 0 0 1.2-.131 1.3 1.3 0 0 0 .568-1.081V9.5a1.3 1.3 0 0 0-.811-1.212m-1.769 2.094v50.436l-18.485-7.477a1.28 1.28 0 0 0-.959 0l-19.776 8L2.907 53.67V3.23l18.486 7.478a1.28 1.28 0 0 0 .958 0l19.776-8Z" /><path d="M40.837 5.4v2.049a1.29 1.29 0 1 0 2.58 0V5.4a1.29 1.29 0 1 0-2.58 0m1.29 5.865a1.3 1.3 0 0 0-1.29 1.3v2.048a1.29 1.29 0 1 0 2.58 0v-2.044a1.3 1.3 0 0 0-1.29-1.3m0 7.163a1.3 1.3 0 0 0-1.29 1.3v2.048a1.29 1.29 0 1 0 2.58 0v-2.044a1.3 1.3 0 0 0-1.29-1.3m0 7.164a1.3 1.3 0 0 0-1.29 1.3v2.048a1.29 1.29 0 1 0 2.58 0V26.9a1.3 1.3 0 0 0-1.29-1.3m0 7.168a1.3 1.3 0 0 0-1.29 1.3v2.052a1.29 1.29 0 1 0 2.58 0v-2.048a1.3 1.3 0 0 0-1.29-1.3m0 7.164a1.3 1.3 0 0 0-1.29 1.3v2.048a1.29 1.29 0 1 0 2.58 0V41.24a1.3 1.3 0 0 0-1.29-1.3m0 7.16a1.3 1.3 0 0 0-1.29 1.3v2.048a1.29 1.29 0 1 0 2.58 0v-2.04a1.3 1.3 0 0 0-1.29-1.3M21.872 12.289a1.3 1.3 0 0 0-1.29 1.3v2.051a1.29 1.29 0 1 0 2.58 0v-2.047a1.3 1.3 0 0 0-1.29-1.3m0 7.163a1.3 1.3 0 0 0-1.29 1.3v2.048a1.29 1.29 0 1 0 2.58 0V20.76a1.3 1.3 0 0 0-1.29-1.3m0 7.164a1.3 1.3 0 0 0-1.29 1.3v2.048a1.29 1.29 0 1 0 2.58 0v-2.044a1.3 1.3 0 0 0-1.29-1.3m0 7.164a1.3 1.3 0 0 0-1.29 1.3v2.048a1.29 1.29 0 1 0 2.58 0V35.1a1.3 1.3 0 0 0-1.29-1.3m0 7.16a1.3 1.3 0 0 0-1.29 1.3v2.048a1.29 1.29 0 1 0 2.58 0v-2.044a1.3 1.3 0 0 0-1.29-1.3m0 7.164a1.3 1.3 0 0 0-1.29 1.3v2.052a1.29 1.29 0 1 0 2.58 0v-2.048a1.3 1.3 0 0 0-1.29-1.3m0 7.168a1.3 1.3 0 0 0-1.29 1.3v2.048a1.29 1.29 0 1 0 2.58 0V56.6a1.3 1.3 0 0 0-1.29-1.3" /></g></svg> </div> <div class="caption"> <div class="score-card-body"> <div class="rich-text "> <p>Características para circunstancias especiales</p> </div> </div> </div> </div> <div class="score-card micro-card default"> <div class="image-wrapper"> <svg class="icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 64 64"><g class="icon-group" fill="#112866"><path d="M55.992 42.066a1.26 1.26 0 0 0 1.258-1.258V5.579a1.26 1.26 0 0 0-1.258-1.258H18.247a1.26 1.26 0 0 0-1.258 1.258v11.886l-2.9-5.118a2.66 2.66 0 0 0-3.623-1L8.1 12.685a2.66 2.66 0 0 0-1 3.624l2.315 4.084 7.574 13.367v24.662a1.26 1.26 0 0 0 1.258 1.258H43.41a1.3 1.3 0 0 0 .485-.1 1.3 1.3 0 0 0 .389-.259l.016-.011 12.582-12.58.014-.021a1.24 1.24 0 0 0 0-1.737l-.014-.021c-.007-.01-.012-.007-.017-.012a1.24 1.24 0 0 0-.865-.355H43.41a1.26 1.26 0 0 0-1.258 1.258v11.322H19.5V38.209l4.044 7.138a3.57 3.57 0 0 0 2.156 1.576c.24.1.522.213.862.359l3.85 1.642.349-3.983v-.012c.04-.518.081-.908.113-1.213a3.2 3.2 0 0 0-.33-2.33L19.5 21.906V6.837h35.234v33.971a1.26 1.26 0 0 0 1.258 1.258M44.669 47.1h8.285l-8.285 8.286ZM9.271 15.076a.18.18 0 0 1 .061-.216l2.368-1.341a.14.14 0 0 1 .065-.015.18.18 0 0 1 .151.075l1.7 3-2.643 1.5ZM28.439 42.75a6 6 0 0 1-.054.71c-.032.319-.074.727-.117 1.269l-.048.544-.675-.288c-.353-.153-.651-.274-.9-.377-.828-.337-.84-.358-.916-.493L12.2 20.252l2.643-1.5 13.525 23.866c.032.058.059.1.071.132" /><path d="M47.185 14.386H27.054a1.258 1.258 0 1 0 0 2.516h20.131a1.258 1.258 0 0 0 0-2.516m0 10.065H27.054a1.258 1.258 0 1 0 0 2.516h20.131a1.258 1.258 0 0 0 0-2.516m1.258 11.323a1.257 1.257 0 0 0-1.258-1.257H32.054a1.258 1.258 0 1 0 0 2.516h15.131a1.26 1.26 0 0 0 1.258-1.259m-13.389 8.808a1.258 1.258 0 1 0 0 2.516h2.065a1.258 1.258 0 1 0 0-2.516Z" /></g></svg> </div> <div class="caption"> <div class="score-card-body"> <div class="rich-text "> <p>Provisión de exención de primas*</p> </div> </div> </div> </div> </div> </div> </div> </section> <div class="info-card-content-calls-to-action-wrapper"> <a class="score-button default md primary GTMBUTTON" target="_self" rel="" href="/es/involucrese/encontrar-un-agente/" data-target="" data-toggle="" > <span> Encontrar a mi agente </span> </a> </div> </section> </section> </section> </div> </div> </section> </div> <div class="section-header sticky-tab-section-header"> </div> <section class="details-tabset container default" data-tabset-id="tabset-tab-set-disability-income-insurance"> <details name="tab-set-disability-income-insurance" data-tab-id="tab-block-56059" data-skip-saving-tab-height> <summary> <span>¿Cómo funciona?</span> </summary> <article> <div class="score-rich-text-block default default"> <div class="content-area "> <div class="rich-text "> <h2 class="h2">Seguro de ingresos por discapacidad</h2> <p>Las pólizas de seguro de ingresos por discapacidad de los Caballeros de Colón proveen un beneficio mensual durante un período máximo de beneficios. Estas pólizas están diseñadas para ayudar a reemplazar los ingresos que habría recibido si hubiera podido trabajar. </p> <p>Usted puede utilizar sus beneficios por discapacidad como mejor le convenga, igual que haría con su propio sueldo.</p> <p>Las pólizas de ingresos por discapacidad de los Caballeros de Colón también incluyen características especiales, como beneficios por discapacidad total, parcial o presunta, que ayudan a protegerlo ante circunstancias especiales. Como beneficio adicional, nuestras pólizas de seguro de ingresos por discapacidad vienen con una disposición de exención de primas, que exime el pago de las primas de su póliza mientras usted esté sufriendo una discapacidad.</p> <p><a class="score-button primary md bg-colorInsuranceBlue" title="Find My Agent" href="/es/involucrese/encontrar-un-agente/">Encontrar a mi agente</a></p> </div> </div> </div> </article> </details> <details name="tab-set-disability-income-insurance" data-tab-id="tab-block-56065" data-skip-saving-tab-height> <summary> <span>Características y beneficios</span> </summary> <article> <div class="score-rich-text-block default default"> <div class="content-area "> <div class="rich-text "> <p>En primer lugar, usted consultará a su agente de seguros de los Caballeros de Colón para decidir sobre su período de beneficios. Este es el tiempo durante el cual usted puede recibir beneficios por su discapacidad informada. El beneficio se restablece una vez que finaliza la discapacidad. <strong>Ofrecemos pólizas que le pagan a usted por dos años, cinco años o hasta los 67 años.</strong></p> <p>Su agente también lo ayudará a establecer el monto del beneficio mensual que su póliza le proporcionará según sus ingresos**. Usted puede seleccionar su período de eliminación, que sirve como su deducible o monto de desembolso personal. Usted puede seleccionar un período de eliminación de 30, 90 o 180 días, después del cual comenzarán a pagarle sus beneficios.</p> <p>También hay una serie de características y beneficios especiales, también llamados cláusulas adicionales, disponibles en nuestros productos de seguro de ingresos por discapacidad. Por ejemplo:</p> <ul> <li><strong>Cláusula de discapacidad catastrófica:</strong> Proporciona un beneficio mensual adicional en caso de una discapacidad catastrófica</li> <li><strong>Cláusula de ajuste del costo de vida:</strong> Ayuda a que su beneficio mensual siga el ritmo de la inflación durante una discapacidad a largo plazo </li> </ul> <p>Comuníquese hoy con su agente de seguros de los Caballeros de Colón para obtener más información sobre nuestros productos de seguros de ingresos por discapacidad.</p> </div> </div> </div> </article> </details> </section> <div class="score-rich-text-block bg-colorYellowLight text-center default teaser-mini-rich-text"> <div class="content-area "> <div class="rich-text "> <h2 class="no-heading-underline" style="text-align: center;">Proteja lo que más le importa</h2> <p style="text-align: center;"><a class="score-button primary md" href="/es/involucrese/encontrar-un-agente/">Encontrar a mi agente</a></p> </div> </div> </div> </main> <div 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