Why do you need Long-Term Disability Income Insurance?
Lose your ability to practice to a disabling sickness or injury and you could lose everything you have worked so hard to acquire.
The ACS Long-Term Disability plan can help you maintain your current lifestyle and help protect you and your family from serious debt by replacing a portion of your income with monthly benefits up to $20,000 for covered disabilities.
Here is what the ACS Group Long-Term Disability program can offer you:
- Available exclusively to eligible ACS members under age 64
- Monthly benefits up to $20,000
- Choose your waiting period – 30, 60, 90 or 180 days
- Specialty coverage with residual disability benefits
- Spouse benefit available
Optional Benefits available to help secure your future income and insurability
- Future Purchase Option (FPO) Rider - This rider allows ACS members to increase benefits as their income grows without having to go through the medical underwriting process again.
- Cost of Living Adjustment (COLA) Rider - Monthly benefits during a covered disability can automatically increase with inflation, offering ACS Members peace of mind should you suffer from a long term disabling condition.
Valuable Package Discount
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:
- Group Term Life: Level Term Life (10-, 15-, or 20-Year Term) and/or Traditional Term Life
- Group Disability Income Insurance: Long-Term Disability, Short-Term Disability, and/or Office Overhead Expense Disability
- Supplemental Group Coverages: Accidental Death and 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.
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How to Apply:
View the information kit for complete details on the plans, features, costs, eligibility, renewablility, exclusions and limitations.
- Apply online:
2. Or download the Application Form and mail the completed form to the ACS Insurance Office.
Information and Rate Kit
(select your state of residence)
This product is not currently available to residents of Washington state and U.S. territories.
For questions, call 1-800-433-1672, Monday through Friday, 8 AM to 4:30 PM (Central Time)
You enjoy a 30-day free look. Even after you are accepted, your initial premium is paid, and you receive your Certificate of Insurance, you have 30 days to be sure you are completely satisfied.
If not, just mark "Cancel" on your Certificate and return it to us within the 30-day period (without claim). Every cent you have paid will be promptly refunded in full.
Underwritten by New York Life Insurance Company - Issued under Group Policy Form GMR (In Texas Policy Form: GMR-FACE/G-29002-0).
Underwriting Requirements
All applicants must meet the New York Life underwriting requirements (satisfactory evidence of good health) to qualify. Neither the College nor the Insurance Trust participates in decisions concerning insurability of applicants. The Administrator follows the Insurance Company's medical underwriting guidelines to evaluate enrollment forms. Thus, all final decisions regarding insurability are the sole responsibility of the Insurance Company.
How New York Life obtains information and underwrites your request for insurance: NYL Important Notice
New York Life Group Insurance Plans Administered and Marketed by:
AmWINS Group Benefits, Inc.
P.O. Box 153054
Irving, TX 75015-3054
AR Insurance License No. 248910
CA Insurance License No. 0D28750
FL Insurance License No. L048174
TX Licensed Agent: Samuel Hamin Fleet, Lic. No. 1091381
New York Life Insurance Company's state of domicile is New York (NAIC ID # 55915) and is licensed/authorized to transact business in all the 50 United States, the District of Columbia and Puerto Rico.