NJCPA Disability Income Insurance Protection

Disability Income Insurance

Underwritten By New York Life Insurance Company


Keep Your Life Moving.

Life keeps moving moment-to-moment, and we somehow make everything work as we go. When it comes to an accident or unexpected illness, life is suddenly interrupted. Most of us think we’ll be able to return to work and our normal life in 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?

Protecting yourself can be easy and affordable through the NJCPA Member Insurance Program. 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-taxed1 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

Important Questions:

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When and where am I covered?

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.

Is this coverage renewable?

Yes, 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.

How long do I have to wait before benefits begin?

The choice is yours. 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 under the Learn More section for additional information.


Understanding the Application Process



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

1New York Life will issue full listed benefit amount when premiums are paid with personal, after-tax dollars. Consult a tax professional in your area for more information.

NJCPA Members Learn More and Apply Today


If you wish to apply for this coverage, simply download the plan brochure and complete the included application. Send it into USI Affinity at 14 Cliffwood Avenue, Suite 310, Matawan, NJ 07747.


LEARN MORE

Are you an Employee of an NJCPA Member?


Disability Insurance is available to you as well. If you are an employee of a current NJCPA member, click below to learn more about the coverage available to you (including eligibility, features, costs, terms, limitations, and exclusions) and how to apply.


LEARN MORE

30-Day Free Look


Once your coverage is approved, you will be sent a Policy detailing your benefits under the Plan. 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.