Disability Income Insurance provides monthly cash benefits to help replace your income
Most people don't have enough money saved up to live on for an extended period if they're unable to work. This plan is designed to help you get by if you're disabled and can't earn your regular paycheck.
Disability Income Insurance provides monthly cash benefits to help replace your income if you are unable to work for a prolonged period due to a covered illness or accidental injury.
Monthly disability benefits are sent directly to you to help cover deductibles and copayments, monthly bills, and other expenses that accrue while you recover.
You are eligible to apply for this Disability Income Insurance if you are an APTA member, a U.S. resident, under age 65 and actively working at least 20 hours per week.* The Disability Income Plan is not available in AK, CO, LA, MD, MN, NH, NM, OR, SD, UT, and VT.
Summary of Benefits
- Monthly benefits between $100 and $10,000***
- Select a 60-, 90-, or 180-day waiting period; the longer the waiting period, the lower your rate
- Own-occupation protection - benefits paid if you're unable to do your job, not just any job, for up to 60 months**
- Survivor benefit - provides extra help to your loved ones if you should die while receiving benefits
- Economical group rates exclusively for APTA members
- Portable coverage - insurance stays with you, even if you change jobs
- 30-day free look - make sure you're completely satisfied before paying your first premium
*All applications are subject to medical underwriting and approval. If a medical exam is required, it will be conducted at your convenience and at no cost to you.
**Length of benefits depends on age at time of disability.
***The amount of coverage that can be issued depends upon your earned income and other disability insurance you have in force, if any. Total disability income cannot exceed 66 2/3% of your pre-disability earnings.
For more information on this plan and other insurance plans designed exclusively for APTA members, call 1-800-982-9491.
This plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106 domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY 10281. It is currently authorized to transact business in all states, plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions and limitations of Group Policy No. G-610298, Form no. G-19000. Coverage may vary or may not be available in all states.
Policies are issued by The United States Life Insurance Company in the City of New York (all states). The United States Life Insurance Company in the City of New York is responsible for the financial obligations of insurance products it issues and is a member of American International Group, Inc. (AIG)