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Group Disability Income Insurance

Don't Let an Accident or Illness Wipe Out Your Savings and Investments

Help protect your earnings with Group Disability Income Insurance provided through the American College of Obstetricians and Gynecologists (ACOG), available exclusively to ACOG members. You can customize your plan by requesting up to $10,000 in coverage ($5,000 for members age 50-59 and $3,000 for Resident Members), and selecting between three plan options. You decide when benefits begin—60, 90, or 180 days after you become totally disabled.

This product is not available in NH, OR, VT and WA.

Plan Details

Plan A

Covered Disability Starting Maximum Benefit Period
Before age 63 to age 65
Age 64 24 months
On or after age 65 but before age 70 12 months

Plan B

Covered Disability Starting Maximum Benefit Period
Before age 60 60 months
On or after age 60 but before age 63 to age 65
On or after age 63 12 months

Plan C

Covered Disability Starting Maximum Benefit Period
Before age 60 24 months
On or after age 60 but before Age 63 to age 65
On or after age 63 12 months

Frequently Asked Questions

How much Group Disability Income Insurance should I consider?

This depends on a number of factors including: the disability benefits that you may receive from your employer, the amount of disability income insurance you may have in force, plus the household income that will continue during your disability. The amount you select may not exceed 70% of your pre-disability monthly earning. Our Disability Insurance Calculator can help you determine the right amount for you.

Residents:

You can choose up to $3,000 in coverage from the ACOG Resident Group Disability Income Insurance to help protect your earnings.

Members:

You can choose up to $10,000 in coverage ($5,000 if age 50 - 59) from the ACOG Group Disability Income Insurance program to help protect your earnings.

Who is eligible for this insurance?

Members in good standing who reside in the U.S. (except NH, OR, VT and WA) or Canada (except Quebec), are under the age of 60, not on full-tim active military duty, and are employed full time at least 26 hours per week are eligible to apply. You must be actively at work on the date insurance is to take effect.

How long does the application process take?

For some plans, coverage becomes effective within a few days of receiving your application. For others, the process is longer because of required medical underwriting procedures. The underwriting process depends on your age, the amount of coverage for which you apply, your medical history, and the type of coverage requested.

How much Group Disability Income Insurance can I request?

ACOG’s Group Disability Income Insurance program allows you to choose your level of monthly coverage. Based on your circumstances, you can select a monthly benefit amount from $1,000 up to $10,000 ($3,000 for Residents) at $100 increments if you are under age 50. If you are age 50 or over but under age 60, you can select a monthly benefit amount from $1,000 up to $5,000 at $100 increments. The choice is yours as long as the monthly benefit amount you select does not exceed 70% of your pre-disability monthly earnings. Whichever benefit amount you choose, you can receive monthly income replacement benefits if you become Totally Disabled, as defined below. Maximum issue amounts of coverage are based on your age, earnings, and all other disability insurance you have and intend to continue at the time of application.

Do I have to take a medical exam, blood test, or other health analysis?

Whether or not you must undergo medical testing depends on the plan you are requesting, your age, the amount of coverage for which you apply, and your individual medical history.

When is the coverage effective?

You will become insured on the date specified by New York Life Insurance Company, provided the first premium contribution has been paid when due, satisfactory evidence of insurability has been submitted, and you are at full-time work. If you are not at full-time work on the approval date, you will not become insured until you are at full-time work for at least 90 consecutive days, provided such date is within three months of the date insurance would have been effective and you are still eligible. Payment of a premium contribution for insurance does not mean there is any coverage in force before the effective date as specified by New York Life Insurance Company.

What constitutes a disability under this plan of insurance?

Benefits are payable when a covered sickness or injury leads to "TOTAL DISABILITY." A Covered Total Disability is an injury, sickness or organ donation that completely and continuously prevents you from doing the material and substantial duties of your occupation provided you are not engaged for pay or profit in any occupation for which you are reasonably qualified by education, training or experience.

Can coverage continue if I am out of the country?

You may visit other countries and remain insured. However, your coverage will end if you reside outside the U.S. or Canada. Refer to the brochure for all termination provisions.

What if I have second thoughts after I apply?

When you become insured, you will be sent a Certificate of Insurance summarizing your benefits under the Plan. If you are not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated and you will be sent a full refund—no questions asked!

Who administers the program?

ACOG’s Group Insurance Program is administered by Pearl Insurance. Pearl Insurance strives to provide members with the most relevant, competitively priced member benefit insurance packages for individuals and their families. Pearl Insurance has been providing associations like ACOG with quality group coverage for over 65 years.

Are there any other plan features or limitations I should know about?

Before applying for disability coverage, please read the plan brochure for a detailed explanation of plan features.

Who is this plan underwritten by?

ACOG Group Disability Income Insurance is underwritten by New York Life Insurance Company (New York Life). New York Life is a leader in the association group insurance field, providing life and health insurance plans for associations. The company has an enduring commitment to its customers' financial security. Regardless of the state of the economy or the stock market, New York Life bases its financial decisions on the guiding principle of serving its clients. New York Life Insurance Company has received the highest ratings for financial strength currently awarded to any U.S. life insurer by all four major rating agencies including Moody’s Investor Service (Aaa), Standard & Poor’s (AA+), Fitch Ratings (AAA), and A.M. Best (A++).*

New York Life 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 details sections for current availability.

*Individual Third Party Ratings Reports (as of 9/12/19)


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This plan is underwritten by New York Life Insurance Company, under Group Policy No. G-10500-1, on Policy Form GMR-G-10500-1/FACE.

New York Life 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 applicable insurance brochures for current availability.

New York Life’s state of domicile is New York, and NAIC ID # is 66915.

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