Contact Us: 1-855-874-0278

When it comes to an accident or unexpected illness, most of us think we’ll be able to return to work and our normal life after a few days. But in reality, your recovery and absence from work could last months. Would you be able to maintain your standard of living if you couldn’t work for that long?

Disability Income Insurance can help you meet your financial obligations like mortgage payments, student loan debt, retirement savings, college education funds, and general monthly living expenses. And your benefits are always paid regardless of other coverage you may have.

Overview of Coverage for Disability Income:

  • Own Occupation coverage with two choices of Benefit Period
  • Non-taxed monthly benefit amounts up to $10,000
  • $1,000 AD&D coverage included
  • Waiver of Premium included
  • Survivor Benefit included
  • Total and Residual Disability options available
  • COLA option available
  • Rehabilitation Benefit available

30-Day Free Look – Once your coverage is approved, you will be sent a Policy detailing your benefits. If you are not completely satisfied with the terms of the Policy, you may return it—without claim—within 30 days. Your premium will be refunded and your coverage invalidated.

Take the Next Step:

Learn More and Apply:
  Brochure & Application  

Download, complete and return by mail.

Talk with an insurance professional:

1-855-874-0278
9:00am-5:00pm, Mon-Fri, Eastern Time

Can't Talk Right Now?

Schedule a call when it's convenient for you.

Employees of NJCPA Members:

If you are an employee of a current NJCPA member, Disability Insurance is available to you as well. Learn more about the coverage available to you, and how to apply.

Employee Brochure Employee Application
wheelchair close-up

Important Features

With Disability Income Insurance, you have coverage 24 hours a day, seven days a week for disabilities resulting from sickness or job-related or recreational activities.

Once coverage is effective, your coverage automatically renews by paying the renewal premium applicable for your particular age. The coverage will only end if you do not pay the premium when due, reach age 70, you begin active military service, or elect to end your coverage.

You may choose a Waiting Period of 30, 60, 90, 180, or 365 days. The Waiting Period is the number of consecutive days you must be totally disabled by a covered illness or accident before benefit payments begin. There are lower premiums for choosing waiting periods longer than 30 days.

See the plan brochure for additional information.

Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 — Policy Form GMR‑FACE‑29460.

Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.