Group Disability Income Insurance

Underwritten by New York Life Insurance Company

Exclusive Members Deserve Exclusive Paycheck Protection

APSIT Group Disability Income Insurance offers exclusive income protection and monthly benefits for members like you. In a time where anything can happen, we help ensure your paycheck keeps coming even when you can't. You never have to choose between buying groceries or paying hospital bills – with APSIT, you're covered. Watch the video to learn how you can help secure the future you and your family deserve.


With APSIT Group Disability Income Insurance, you'll have access to the following benefits:

  • Your choice of monthly benefit from $400 to $6,000 per month (in multiples of $100) not to exceed 60% of earnings
  • Your choice of waiting period (60 or 90 days)
  • Benefits paid up to age 70
  • Premium payments waived while receiving Total Disability Benefits
  • Benefits for recurring disability (subject to policy limitations)
  • Partial Disability Benefit
  • Rehabilitation Benefit
  • Survivor Benefit
  • Organ Donation Benefit

Apply Online


Help protect your very important asset—earning an income. Apply for Group Disability Income Insurance today!

NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.

Select Your Society

Print and Mail Application

Call 800.272.1637

Monday-Friday, 7 a.m. to 7 p.m. CST

Need a few more details on this disability income insurance? You got it! More facts are always a good thing.

Check out the APSIT Group Disability Income Insurance Brochure to learn more about coverage features, cost, eligibility, renewability, limitations, and exclusions.

Frequently Asked Questions

APSIT Group Disability Income Insurance is designed to help protect up to $6,000 a month, not to exceed 60% of your gross monthly earned income if you can’t work due to a covered disability.

Covered Total Disability: prevented by illness or injury from performing the material and substantial duties of your usual occupation during the first 24 months (any occupation that you are reasonably qualified for by training, education or experience after 24 months) provided you are not otherwise working for pay or profit.

Yes. It can serve as a primary income replacement coverage or act as a supplement to your Social Security benefits, other governmental benefits, employer benefits, and benefits from other group policies.

A waiting period is the number of consecutive days you must be Totally Disabled by sickness or accident before benefits commence. Coverage with a longer waiting period is less expensive. If applicable, you should choose one that will provide benefits when your employer provided salary continuation insurance runs out.

You will become insured on the date specified by New York Life Insurance Company, provided the first premium contribution is paid when due, satisfactory evidence of insurability has been submitted, and you are at full-time work.


30-Day Free Look
If you're 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 refund. No questions asked!

Members of the American Institute of Physics' Member and Affiliated Societies are eligible to apply for insurance through APSIT. Members in good standing, under age 60, and a resident of the United States (excluding VT, WA, and certain U.S Territories), Canada (except Quebec), or Puerto Rico, at full-time work (30 hours/week), are eligible to apply for APSIT Group Disability Income Insurance.

Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 USA under Group Policy G-29069-1 On Policy Form GMR-FACE/G-29069-1.

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 policies it underwrites are available in all jurisdictions. For more information, including, features costs, eligibility, renewability, limitations, and exclusions, download the brochure above.

New York Life Insurance Company's state of domicile is New York, and NAIC ID # is 66915

New York Life Insurance Company (New York Life) is a leader in the association group insurance field, providing life and health insurance coverage 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 has received the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit ratings agencies: A.M. Best (A++), Fitch Ratings (AAA), Standard & Poor's (AA+), and Moody's Investors Services (Aaa).*

*Source: Third-party Rating Report as of 10/18/22.

Supplemental Documents

Group Disability Insurance Claim Form

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