NYCPA Group Long-Term Disability Income Insurance

With our disability income insurance coverage, you'll have help meeting your financial obligations and maintaining your lifestyle if a covered injury or illness prevents you from working.

Coverage Highlights

• Choose from two plan options: Plan 1 (which lets you choose a waiting period of 30, 90, or 180 days) or Plan 2 (30-day waiting period)
• Your choice of monthly benefit: Plan 1 ranges from $100 to $6,000 per month; Plan 2 ranges from $100 to $3,250 per month*
• Waiver of premium: If you become totally disabled for six consecutive months, your premiums will be waived for as long as you remain disabled.
• Partial disability benefit: If you are unable to work more than four hours per day after your selected waiting period and 31 days of total disability (due to injury) are over, you will receive 50% of your disability benefit for up to three months.
• Pregnancy benefit: Receive the same benefits from becoming totally disabled due to pregnancy as you would from any other covered injury or illness.
• Portability: You can keep your policy throughout your career, as long as you remain in good standing with the NYCPA, pay your premiums when due, and the policy remains in effect.

For full product details, including information on eligibility, features, limitations, costs, renewability, and exclusions, read the NYCPA Group Long-Term Disability Income Insurance Brochure.

*For applicants age 60–69, the monthly benefit is limited to $500.

This policy is underwritten by New York Life Insurance Company NY, NY 10010 under Group Policy No. G-30804-0 On Policy Form GMR-FACE/G-30804-0.

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 has received the highest financial strength ratings currently awarded to any U.S. life insurer by Standard & Poor's (AA+); A.M. Best (A ++); Moody's (Aa1); and Fitch (AAA). Source: Individual Third-Ratings Reports as of 5/19/2025.

New York Life Insurance Company is authorized/licensed to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group policies it underwrites are available in all jurisdictions. Please check the eligibility sections for current availability. New York Life's state of domicile is New York and NAIC ID #66915.