Long-Term Disability Insurance
Protect your Income from Interruption.
An accident or unexpected illness could cause you to be absent from work for months. How would an extended lapse in income affect your standard of living?
Long Term Disability Insurance can help you meet your financial obligations like mortgage payments, student loan debt, retirement savings, college education funds, and general monthly living expenses. And your benefits are always paid regardless of other coverage you may have.
Coverage Overview
- Own occupation coverage for first five years of disability*
- Residual disability benefits
- Portable within the United States/Canada
- Benefits payable to age 75
- Benefits are non-taxed**
- Benefits from $1,000 to $10,000 per month not to exceed 75% of your gross monthly income
- Cost of Living Adjustment (COLA) and Future Purchase Options
- School Loan Payment Benefit
- No individual targeting for premium increase
- A no-cost benefit for up to one-month of benefits to an insured member to care for a close family member with a serious health condition
Questions & Answers
With Long-Term Disability Insurance, you have coverage 24 hours a day, seven days a week for disabilities resulting from sickness or job-related or recreational activities.
Unlike employer-based coverage, this insurance is portable—which means that if you change jobs, your coverage does not terminate. Access to this insurance is made possible through your AAP membership. Just maintain your membership to keep your coverage.
Take the Next Step:
Or, talk with an experienced AAP Insurance Program representative:
1-800-257-3220
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Schedule a phone call at your convenience.
PDF Downloads:
Brochure
Application
How Underwriting Works
AAP Exclusive
This coverage can only be applied for by AAP members. A 30-day free look provides an opportunity for return of the Certificate of Insurance without claim and a full refund. Please note state-specific applications and other forms may be required if applicable. Puerto Rico residents should send application to: Global Insurance Agency Inc., P.O. Box 9023918, San Juan, Puerto Rico 00902-3918.
Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010—Policy Form GMR-FACE-50861. Available only for members residing in the U.S. 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 policies it underwrites are available in all jurisdictions. New York Life's state of domicile is New York, and NAIC ID # is 66915.
Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.
USI Affinity is licensed to transact business in all of the 50 United States and the District of Columbia.
AR Insurance License #325944; CA Insurance License #0G11911. #5034527.4 | 2021 | WE_0335_0121_AAP
*Please refer to the Certificate of Insurance for more information.
**New York Life will issue full listed benefit amount when premiums are paid with personal, after-tax dollars. Consult a tax professional in your area for more information.