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ACS Group Disability Income Insurance

When we hear the word "disability," we often think of tragic—but unlikely—accidents. The reality, however, is far different.

APPLY FOR FINANCIAL PROTECTION FOR YOUR PAYCHECK

In fact, the top causes of disabilities1 include:

  • Injuries
  • Mental health issues
  • Back disorders
  • Cardiovascular disease

...just to name a few


But you can help mitigate the financial impact of a disability through our group disability income insurance policy. In addition to specially negotiated group rates, this coverage also includes:

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Up to $10,000 per month in benefits

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Protection up to age 702

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Ability to serve as primary coverage or as a supplement to existing employer-provided coverage

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Portability, giving you the freedom to change jobs without losing your policy3

ADDITIONAL COVERAGE HIGHLIGHTS

  • Various waiting periods to choose from
  • Spouse/domestic partner coverage available–even if member is not covered
  • Consumer Price Index Cost of Living feature
  • Read our Group Disability Income Brochure for more information

APPLY FOR FINANCIAL PROTECTION FOR YOUR PAYCHECK

For full product details, including information on eligibility, features, limitations, costs, renewability, and exclusions, visit us online.

1"Disability statistics." Council for Disability Awareness, 2021.

2Under both the short-term and long-term coverage for a disability starting on or after your 67th birthday, benefits will reduce 50% and are payable for 24 months or until your 70th birthday—whichever occurs first.

3As long as you pay premiums when due, maintain your ACS membership, and the group policy remains in force.

Certain Coordination of Benefits restrictions apply.

Underwritten by New York Life Insurance Company under Policy Form No GMR-G 29201/FACE. Certain state restrictions apply.

New York Life Insurance Company, founded in 1845 and a recognized leader in the group insurance field, is one of the largest and most respected life insurance companies in the nation. New York Life Insurance Company has received the highest ratings for financial strength currently awarded to any U.S. life insurer by all four major rating agencies including Moody's Investor Service (Aaa), Standard & Poor's (AA+), Fitch Ratings (AAA), and A.M. Best (A++). (Source: Individual Third Party Ratings Reports (as of 11/17/23)

New York Life is licensed / authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group coverages it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability.

New York Life's state of domicile is New York, and NAIC ID # is 66915.