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All other Insurance: 1-800-727-7770

Disability Insurance

How long could you manage without your current income?

With Long Term Disability Insurance through the New York State Bar Association Insurance Program – you won’t have to. Most people think of Group Disability Insurance as protection in the event of an accident. The truth is, over 90% of claims are due to back problems, other joint and soft tissue pain, cancer, heart disease and mental health. Still think it won’t happen to you? Unfortunately, the average worker faces a 3 in 10 chance of being disabled for 90 days or more.¹ Protecting your income is one of the wiser decisions you can make. Don’t take the risk – call today to talk to one of the Group Disability Insurance experts at USI Affinity about applying for this valuable and exclusive member benefit today!

Disability insurance can provide a monthly benefit of up to $10,000 per month. (The monthly benefit amount you select cannot exceed 60% of your Average Monthly Income**). Benefits are tax free if you pay your own premiums with after-tax dollars. Plus, coverage remains even if you change jobs or your employee benefits package changes, subject to the provisions.

¹Source: Council for Disability Awareness 2018.

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Need help deciding which coverage is best? For more information, including plan features, costs, eligibility, renewability, limitaions and exclusions, please call our licensed representatives at 1-800-727-7770.

USI AFFINITY + NEW YORK LIFE
We have partnered with New York Life to provide these coverages at very competitive rates. New York Life has received the highest possible financial strength ratings currently awarded to any life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch Ratings (AAA), Standard & Poor's (AA+) and Moody's Investors Service (Aaa). *Source: Third Party Rating Reports (as of 7/30/18). The NYSBA's member-only Group Disability Insurance Plans program is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy form GMR. New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the plan brochures for current availability. New York Life Insurance Company's state of domicile is New York, and NAIC ID # 66915.

** AVERAGE MONTHLY INCOME means 1/12th of your wages, salaries, commissions, fees, and other amounts of income received for personal services before the deduction of income or social insurance taxes, and after the deduction of the normal business expenses deductible for income tax purposes, for the immediately preceding 12-month period. It does not include income from overtime, interest, dividends, rent, royalties, annuities, and Other insurance or unearned income.

30-Day Free Look
Once coverage is approved, you will be sent a Certificate of Insurance summarizing benefits. If you are not completely satisfied with the terms of the Certificate, you may return it, without claim, within 30 days for a full refund.