Product 3

Confirm your ZIP code and employer group to see if this benefit is available to you.

QuickDecisionSM online tool for fast application (up to $7,500/month for under age 50)

Includes Rehabilitation, School Loan Payment, Partial Disability and Residual, Cost of living (optional) and Catastrophic Disability (optional) Benefits

Portable coverage, not tied to employer

Member only Pricing

Coverage & Pricing

Eligibility: If you are an ACP member, affiliate, physician or non-physician, under age 62, at FULL-TIME WORK (at least 20 hours per week), and a U.S. resident, you are eligible to apply for a monthly benefit amount up to $15,000 (in $500 increments), provided the benefit you select does not exceed 66⅔% of your Average Monthly Income.
Waiting Period Options: Choice of four waiting periods before benefit payments begin: 30, 60, 90 or 180 days.
Total Disability Definition:
- For ACP Physician Affiliate Members: unable to perform your regular occupation
- For ACP Non-Physician Affiliate Members: unable to perform your regular occupation for the first 24 months
- For all other ACP Members: unable to perform your medical specialty or specialties
Benefit Duration:
- Disability before age 60: Benefits go up to age 67
- Age 60-63: Up to 5 years
- Age 64: Up to 4 years
- Age 65: Up to 3 years
- Age 66: Up to 2 years
- Age 67+: Up to 1 year

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Frequently Asked Questions

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You will become insured on the date specified by New York Life Insurance Company provided the first premium contribution has been paid, satisfactory evidence of insurability is submitted, and you are at FULL-TIME WORK on that date. If you are not at FULL-TIME WORK coverage will not become effective until you return to FULL-TIME WORK for at least one full day, provided such day is within three months of the date insurance would have been effective and you are still eligible for insurance.

Once coverage is validly in force, it may be continued to the April 1st anniversary date on or immediately after you reach age 70. Coverage will end earlier if: you cease FULL–TIME WORK other than for reasons of disability, cease to be an ACP member, fail to pay premium contributions when due, or the policy is modified or terminated by the policyholder or New York Life Insurance Company to end insurance on the group of insureds to which you belong.

Successive periods of disability, which are due to the same or related causes, will be considered a single period of disability unless separated by return to FULL–TIME WORK for six consecutive months or more. Separate, unrelated periods of disability will be considered a single period of disability unless separated by a return to FULL-TIME WORK of at least one full day.

After you have been Totally Disabled for 90 consecutive days or your waiting period, whichever is greater, and you begin to receive benefits for Total Disability, all future premium contributions will be waived for as long as you receive benefits for that disability.

Member Benefits Vary by Location

MooseVIP

State excluded for this product

Coverage & Pricing

Frequently Asked Questions

Effective Date

When Coverage Ends

Benefits for Recurring Disability

Waiver of Premium

Member Benefits Vary by Location

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