AAP Group Long Term Accident and Sickness Disability Insurance

Group Long-Term Disability Insurance

Underwritten By New York Life Insurance Company

Keep Your Life Moving.

Life keeps moving moment-to-moment, and we somehow make everything work as we go. When it comes to an accident or unexpected illness, life is suddenly interrupted. Most of us think we’ll be able to return to work and our normal life in a few days. But in reality, your recovery and absence from work could last months. Would you be able to maintain your standard of living if you couldn’t work for that long?

Protecting yourself can be easy through the AAP Insurance Program. 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.

Overview of Coverage for Group Long-Term Disability:

  • 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

Important Questions:

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How long can I keep this coverage?

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 through your AAP membership. Just maintain your membership to keep your coverage.

When and where am I covered?

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.

Have more questions?

For more information on this coverage – features, costs, eligibility, renewability, limitations and exclusions – please download the brochure to the right or contact a specialist.

Legal Information:

This policy can only be applied for by 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 if applicable. To view a file you must have Adobe Acrobat Reader installed.

Puerto Rico residents should send application to:

Global Insurance Agency Inc.

P.O. Box 9023918

San Juan, Puerto Rico 00902-3918

AR Insurance License # 325944

CA Insurance License # 0G11911

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.

*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.

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If you wish to apply for this coverage, simply download and complete the appropriate application and send it to USI Affinity.