Long-Term Disability Insurance

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 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: 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.

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