Help protect income lost due to an accident or illness

If you’d find it difficult to get by without your paycheck for an extended period of time, apply for disability income protection now.

Collect up to $12,000 a month, $144,000 a year while disabled
Receive a fixed monthly income, if a covered accident or illness keeps you from working.* Benefits begin after a 90-day waiting period, and can continue as long as you are disabled, up to age 67.** Collect up to 60% of your gross monthly income, if this is your only disability protection … up to 75%, if paired with other disability protection.
Tax-Free cash payment** made directly to you
Full benefits are paid in addition to what you collect from Social Security or any other insurance policy. They may be received tax-free if you pay the premium from personal funds. Consult your tax advisor for details.
Affordable rates, level after age 50
AAFP Insurance Services uses the group buying power of more than 124,900 members to negotiate a better insurance value for members. Compare your existing coverage rates to our group rates and see if you can save. And, once you reach age 50, your premium remains level until coverage ends at age 70.
Special features exclusively for AAFP Members
  • Up to $12,000 a month in benefits
  • Benefits paid to age 67
  • Premiums waived during disability
  • Guaranteed future purchase option
  • Benefits paid during trial or part-time work
  • Communicable disease provision
  • Relapse protection with no waiting period
  • Organ donor provision
  • Survivorship benefits
Not sure you need this protection?
3 in 10
workers will lose 90 days or more of work due to a disability1
34.6 months
average length of a disability claim2
1 in 2
personal bankruptcies and foreclosures are a consequence of disability1
1Facts from LIMRA, 2016 Disability Insurance Awareness Month     2Council for Disability Awareness, 2016

Find the quarterly rate for your age here

2017 monthly benefits – current quarterly costs
90-day waiting period
$5,000 $8,000 $12,000
AGE MALE FEMALE MALE FEMALE MALE FEMALE
Under 30 $143.00 $162.50 $228.80 $260.00 $343.20 $390.00
30-34 $150.00 $195.00 $240.00 $321.00 $360.00 $468.00
35-39 $187.50 $242.50 $300.00 $388.00 $450.00 $582.00
40-44 $257.50 $337.50 $412.00 $540.00 $618.00 $810.00
45-49 $362.50 $440.00 $580.00 $704.00 $870.00 $1,056.00
50-70 $542.50 $617.50 $868.00 $988.00 $1,302.00 $1,482.00
Cost is based on your age when insurance becomes effective, gender, waiting period, tobacco/nicotine use, residence state and benefit amount selected. Cost increases as your age increases. New York Life Insurance Company reserves the right to change rates on a class basis. A class is a group of people that may be the same age or gender.
A 10% surcharge may apply if you have used tobacco or any nicotine substitute (including nicotine patches and nicotine chewing gum). A surcharge of 15% will apply for residents of Florida. A surcharge of 25% will apply for residents of California.
 
* Totally Disabled means you are completely and continuously unable to perform the material and substantial duties of your profession or occupation for pay or profit due to accidental bodily injury or sickness, provided you are not otherwise working for pay or profit. Note: You will not be considered Totally Disabled solely due to the lack of a valid professional or occupational license or certification.
** Benefits can be paid for no more than three years for disabilities related to mental or nervous disorders, alcoholism, or drug addiction or Self-Reported Symptoms. “Self-Reported Symptoms” are defined as the manifestations of conditions that are reported to a physician, but are not verifiable using tests, procedures, or clinical examinations. Self-Reported Symptoms include but are not limited to: headaches, pain, fatigue, stiffness, soreness, ringing in the ears, dizziness, numbness and loss of energy. If disability begins at ages 66-69, benefits will be paid up to one full year.
*** Residual benefits are a percentage of your monthly benefit equal to the percentage reduction in monthly earnings as a result of your disability. See Certificate of Insurance for additional description.
† A “Communicable Disease” is defined as the following conditions, but only if public disclosure is either (a) recommended by your medical profession or (b) required by an appropriate governmental agency: Acute Viral Hepatitis of a non A type, Human Immunodeficiency Virus, Acquired Immune Deficiency Syndrome and tuberculosis.
The AAFP Association-Group Disability Income Insurance Plan described is subject to the terms and conditions of Group Policy G-7201 issued by New York Life Insurance Company (51 Madison Avenue, New York, NY 10010) to the American Academy of Family Physicians (on Policy Form GMR-FACE/G-7201). Please refer to the Certificate of Insurance for details of your coverage. New York Life Insurance Company (NAIC #66915) is domiciled in New York and licensed authorized to transact business in the 50 United States and the District of Columbia (agency licenses: AR #246260; CA Insurance Lic. #0547642).