Short-Term Disability Insurance

Group Short-Term Disability Income Insurance

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.

The ACS Disability Income plans 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 for covered disabilities.

Here is what the ACS Group Short-Term Disability program can offer you:

• Monthly benefits up to $5,000, limited to 60% your average earnings (70% if combined with ACS LTD)*
• Choose your waiting period – 7-days or 30-days
• Choice of Maximum Benefit Period – 3-months or 6-months (so you can coordinate with your ACS Long-Term Disability Plan)
• Maternity Benefits: Benefits can be paid for up to 3-months (6-months for complications of pregnancy)
• Available exclusively to eligible ACS members under age 60

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:

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, 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.

STD2019

NYL-1644034

How to Apply:

View the information kit for complete details on the plans, features, costs, eligibility, renewablility, exclusions and limitations.

1. Apply online:

2. Or download the Application Form and mail the completed form to the ACS Insurance Office.

Coverage may not be available in all states Click “Apply Online” to determine eligibility in your state.

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.