Group Insurance Plans

Since 1952, the American College of Surgeons has provided ACS Members with a program of personal insurance plans designed for the special needs of surgeons and their families. To learn more about each plan's features, costs, eligibility, renewability, exclusions and limitations, click one of the links below.

10-YEAR, 15-YEAR, or 20 YEAR LEVEL TERM LIFE

Help protect your family’s financial future you’ve worked hard for with initial rates guaranteed not to increase for up to 20 years and coverage amounts up to $4,000,000 that remains level until termination at age 85 (depending on which plan you choose).

 

HOSPITAL INDEMNITY INSURANCE

Supplement your Health Insurance Plan with the ACS Hospital Indemnity Plan which pays cash benefits (up to $500 per day) directly to you from the first day of a covered stay.  The plan offers both inpatient and outpatient benefits and can pay up to 200% of the daily benefit for certain stays.

TRADITIONAL TERM LIFE

 

Help secure your family’s financial future with our Traditional Term Life Insurance plan, which currently offers coverage amounts up to $4,000,000 and can be renewed until age 100. 

 

LONG-TERM DISABILITY

In the event you lose your ability to practice due to a disabling sickness or injury, our Group Long-Term Disability plan offers monthly benefits of up to $20,000 and two optional benefits to choose from: The Future Purchase Option (FPO) and Cost of Living Adjustment (COLA) riders.
 

SHORT-TERM DISABILITY

Most disabilities last less than six months. But even a short-term disability can cause a severe financial hardship.  We offer several options for ACS members to coordinate with their Long-Term Disability Income Benefits that can help you maintain your current lifestyle and help protect you and your family from serious debt.

OFFICE OVERHEAD EXPENSE DISABILITY

In addition to your personal expenses, help protect your business expenses in the event you become disabled due to a covered illness or injury, with monthly benefits of up to $20,000.

 

ACCIDENTAL DEATH & DISMEMBERMENT

This plan can help you and your family cope with crippling or fatal accidents and the often devastating costs by providing up to $500,000 in benefits.

 

SUPPLEMENTAL DISABILITY INCOME (for educational expense obligations)

The ACS Supplemental Disability Income Insurance Plan offers a choice of two plans that can provide monthly benefits to help cover your educational debt if you become disabled from a covered accident or illness, so your career goals can stay on track. 

Valuable Package Discount Available
You can receive a 25% Package Discount in addition to our already competitive rates. To qualify for this discount, you must be insured in at least one plan from each of the three coverage categories:
1. Group Term Life Insurance: Level Term life (10-,15- or 20-Year Term) and/or Traditional Term Life
2. Group Disability Income Insurance: Long-Term Disability, Short-Term Disability, and/or Office Overhead Expense Disability
3. Supplemental Group Coverages: Accidental Death & Dismemberment Insurance, Hospital Indemnity Insurance, and/or Supplemental Disability Insurance (for educational expense obligations)

The discount only applies to qualifying plans underwritten by New York Life Insurance Company.ACSWEB0518

 

Group Insurance plans are underwritten by New York Life Insurance Company, NY NY 10010 (policy form GMR)

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