Supplemental Disability Income Plan (for educational expense obligations)

Who will pay your educational expenses if you suffer a disability?

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. 

Supplemental disability insurance plan highlights include:

  • Monthly benefits of up to $2,500 (in $100 units)
  • Select between two different Maximum Benefit Period plan options. This is the amount of time you can receive benefits in the event of a covered total disability.

Option 1: 5-Years
Option 2: 10-Years

  • Terminal disability benefit: If you are disabled for 30 days or more and pass away while benefits are being paid, a final benefit will help cover your outstanding student loans up to $100,000
  • Benefits are paid to the insured member to use as needed
  • Waiver of Premium for covered disabilities that last longer than 6 months.

Valuable Package Discount

You can receive a 35% 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: 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 and Dismemberment Insurance, and/or Supplemental Disability Insurance (for educational expense obligations)

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





Underwritten by New York Life Insurance Company - Issued under Group Policy Form GMR (In Texas Policy Form: G-29002-3/GMR-FACE).

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.