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Group Disability Income Insurance

Do You Have a Plan in Place for the Unexpected?

The word "disability" often triggers thoughts of catastrophic, painful accidents. However, a Total Disability includes any illness or injury that keeps you from performing the material and substantial duties of your usual occupation. Help protect you and your family by preventing the potentially devastating financial consequences of a disability.

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

  • Your choice of monthly benefit from $400 to $5,000 per month (in multiples of $100)
  • 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
  • Partial Disability Benefit
  • Rehabilitation Benefit
  • Survivor Benefit
  • Organ Transplant Benefit


Members of the American Institute of Physics' Member and Affiliated Societies are eligible to purchase 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), with a gross annual income of $20,000, are eligible to apply for APSIT Group Disability Income Insurance.

Frequently Asked Questions

How much of my income will be protected?
APSIT Group Disability Income Insurance is designed to help protect up to 60% of your gross monthly earned income if you can’t work, up to $5,000 a month.

What is Total Disability?
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.

Can an APSIT Group Disability Income Insurance Plan be added to existing disability coverage?
Yes. It can serve as a primary income replacement plan or act as a supplement to your Social Security benefits, other governmental benefits, employer benefits, and benefits from other group policies.

What is a waiting period?
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 plan runs out.

When does my policy become effective?
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 has been submitted, and you are at full-time work.

Apply Now

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

Apply Now


New York Life Insurance Company

New York Life Insurance Company (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 has received the highest ratings for financial strength currently awarded to any life insurer from the leading independent ratings agencies, including A.M. Best (A++), Fitch Ratings (AAA), Standard & Poor's (AA+), and Moody's Investors Services (Aaa).*

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.

New York Life
State of Domicile:  New York
NAIC ID #66915
51 Madison Avenue
New York, NY 10010 USA

*Source: Third Party Ratings Report as of 8/1/17.

Please refer to the plan brochure for complete details, including features, costs, eligibility, renewability, limitations, and exclusions.

The APSIT Group Disability Income Insurance Plan is underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010, under Group Policy No. G-29069-1 on Policy Forms GMR-FACE/G-29069-1.

Not intended for residents of New Mexico.

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