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If illness or injury prevented you from working, how well would you and your family do without a paycheck? If you are like most, it would be tough to support your lifestyle for any significant length of time. An individual disability insurance policy can help fill in the gaps from a long-term disability benefit from your employer.

Find Your Rate

You have the option to have your Monthly Benefits for total and residual disability increased based on the Urban Consumer Price Index, or CPI-U, according to a specific formula outlined in the policy, up to a maximum of 5%. This benefit only applies to disabilities commencing prior to age 65.

This benefit allows you to increase your coverage without having to provide evidence of insurability. You can increase your monthly benefit by 25% of the original amount on the second, fourth, sixth and eighth anniversaries of the original effective date up to the maximum available under this policy. This option is available only to applicants under age 40.

You can receive a lump sum recovery benefit upon your return to FULL-TIME WORK following a covered Total Disability for which you received benefits for 45 days or longer. The benefit payable ranges from 25% of your Monthly Benefit amount to three Monthly Benefit payments, depending on the length of the disability, as described in the policy.

Your estimated premium:

$0.00/year  
(or $0.00/6 months)

Cost is based on the Waiting Period and Monthly Benefit Option selected, current age when coverage becomes effective, and whether any Optional Benefit Riders are selected. The cost increases on the premium contribution date on or immediately after reaching a higher age bracket.

* Renewal only at ages 60-69. Coverage terminates at age 70.

The premium contributions shown reflect the current rate and benefit structure. Premium contributions may be changed by New York Life on any premium contribution due date, but not more than once in any 12-month period, and any date on which benefits are changed.

For more information – features, costs, eligibility, renewability, limitations and exclusions – please view the applicable brochure here. An application attachment is also included for each policy.

For help understanding the application underwriting process please click here.

Coverage Overview

  • Pennsylvania Bar Association Members under Age 60, working full-time, are eligible to apply
  • Coverage to age 70
  • Choice of Waiting Period: 30, 60 90, 180 or 365 days
  • Own Occupation definition of Total Disability
  • Choose the Monthly Benefit Amount you need -- up to $10,000 -- No offset for Social Security or other Insurance:
  • $6,000 Monthly Benefit maximum, if applying at age 50-55; $3,000 at ages 55-59
  • Monthly Benefit in force reduces to $2,200 at age 65
  • Benefits can be paid to age 65:
  • For disabilities commencing after age 63, benefit period maximum is one year
  • For disabilities due to chemical dependency or mental disorder, maximum benefit period is two years
  • Coverage Includes Residual Disability Benefit

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.

Underwritten by New York Life Insurance Company, New York NY 10010 On Policy Form GMR

USI Affinity is licensed to transact business in all of the 50 United States and the District of Columbia.
USI Affinity's state of domicile is Pennsylvania.
New York Life Insurance Company 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. 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.

AR Insurance License # 325944; CA Insurance License # 0G11911.