With new, higher benefits, you can protect even more of your income.
Now collect up to 25% more each month if a covered illness or injury prevents you from working.
One of your most valuable assets is your ability to earn a living. And, now you can help protect it even more with AAFP Association Group Disability Income Insurance from New York Life Insurance Company. To meet the growing demands of members, we’ve increased the amount you can collect each month.
NEW! Benefits1 of up to $12,000 a month, $144,000 a year available.
Help replace the income you’d lose, if a covered accident or illness keeps you from working, with new higher benefit amounts.
Benefits Paid Directly to You … Tax-Free2
Full benefits are paid in addition to what you collect from Social Security or any other insurance policy. And if you purchase them for yourself, they may be paid tax-free. Consult your tax advisor.
Exclusive Association Group Rates —Level After Age 50!
The group buying power of members was used to negotiate a better insurance value for members. A 20% dividend credit lowers your costs even more.3 And, once you reach age 50, your rates are locked-in for as long as you’re insured.

1 Not exceed 60% of gross monthly income

2 Benefit can be tax-free, if the insured pays the cost as an individual and not through an employer.

3 The AAFP plan performance has resulted in dividend credits of 20% per year since 2017.
Dividends are not guaranteed and are subject to annual renewal.

Find your rate here
Use this handy tool to quickly calculate your cost for this valuable coverage
Your age: 30 Years
Gender:
Payment Mode:
Coverage for you: $7,500
Your Rate — 90-Day Waiting Period*:
$XXX.XX
*The AAFP Insurance Program performance has resulted in dividends credits of 20% per year. This is subject to annual review and not guaranteed for future years. 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 you grow older. 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).
Benefits begin after a 90-day waiting period, and can continue as long as you are disabled, up to age 67.

30 day Free Look: Once your application has been approved, you’ll receive a Certificate of Coverage. You can then take up to 30 days to review your coverage. If you decide you do not want this coverage, simply return your Certificate, without claim, within 30 days. Your coverage will be considered void from the beginning and any costs you might have paid will be refunded in full. 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 insurance licenses: AR #246260; CA Insurance Lic. #0547642).

Schedule a free personal consultation
Eric Muehlbach, an AAFP Insurance Specialist, will be happy to assess your needs and recommend solutions without obligation.
For more information call Eric Muehlbach at 866-537-1039 ext 1634.
Email emuehlbach@aafpins.com or schedule a free consultation
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