Are you confident that you have the right type—and amount—of long-term
A total disability could stop your ability to earn an income in a split second.
Make sure you have a reliable financial plan in place that includes long-term
disability income protection. Members can turn to the New York City Bar Association
sponsored Group Long-Term Disability Insurance program that’s tailored
exclusively for attorneys.
Underwritten by: The United States Life Insurance Company in the City of New York
To learn more about this coverage—features, costs, eligibility, renewability,
limitations and exclusions click on the Tell Me More tab.
* Age at which the insured person is entitled to receive unreduced Social Security
Benefits based on the Social Security Amendments of 1983.
Group Long-Term Disability Insurance Underwritten by The United States Life Insurance
Company in the City of New York
Benefits Guide for New York City Bar Association Members
The NYCBA Group Long-Term Disability Insurance program helps you continue to
receive income while you are disabled. What would you do if a disability prevented
you from working? The Long-Term Disability Program pays you a benefit amount
to help you continue to meet your monthly expenses while you’re disabled.
Eligibility. As an NYCBA member, you are eligible to request coverage under
this group plan if you are:
Benefits of The Plan
Your benefit payments are TAX-FREE—you could collect 40% more each month
Under current tax laws, if you pay your own disability premiums, your benefits
are tax-free. This means you’ll generally collect 40 percent higher benefit
checks through this NYCBA Plan than you’d receive from a comparable program
offered through an employer.
Or, you may be able to claim part of your Plan premiums as a tax deduction
if you own your own practice. Consult with your tax advisor for more details.
Example: $10,000 monthly benefit taxed vs. tax-free:
(40% paid to state and federal income taxes)
TAX-FREE benefit payments assume you don’t choose to take your insurance
premiums as a tax deduction. Of course, always consult with your tax advisor
for the best advice for your individual situation.
“Stand alone” OR “Supplement”
This group coverage can be your sole, “stand-alone” disability insurance
coverage, as it is for many insured members. If you have some type of disability
coverage through an employer, however, this plan can be an excellent supplement.
That’s an approach some of our members take because these benefits are
NOT taxable, unlike most employer plans—and the coverage is 100 percent
portable, provided you pay the premiums.
Your coverage is portable—you can take this plan with you anywhere you
Unlike employer-paid or sponsored plans, you own your NYCBA group coverage.
It can go wherever you go, as long as you remain a member of the NYCBA. You
don’t have to worry about losing your disability insurance simply because
you change employers or if you strike out on your own as part of a practice
or as a sole practitioner.
You pay group rates—typically a savings over individual coverage
This plan is available exclusively to NYCBA members. Rates have been specifically
negotiated on your behalf.
Waiver of premium
No premium is due for you when receiving monthly benefits. When you stop receiving
monthly benefits, premiums must again be paid when due.
How The Plan Works
Benefits paid for total disability
The plan is designed to pay monthly benefits when you are totally disabled.
Total disability means you are completely unable to perform the material duties
of your regular job due to an injury or illness. (“Your regular job”
is that which you were performing on the day before total disability began.)
Partial Disability Option (with Long-Term Plan only)
Partial disability means that you are not able to perform the material duties
of your regular job due to an injury or illness but you are able to perform:
A waiting period is the number of consecutive days you must be disabled before
benefits can begin. You can choose to apply for coverage with a 60-day, 90-day
or 180-day waiting period.
You may apply for a monthly benefit of $1,000 to $12,000, in increments of $1,000.
However, the elected amount, when adding the monthly benefit being applied for
with the monthly benefit of all other disability income insurance, whether issued
for or applied for, may not exceed 66 2/3% of your basic monthly pay.
If a totally or partially disabled person dies, United States Life will pay
to the eligible survivor the final survivor benefit shown in the Schedule of
ELIGIBLE SURVIVOR means the person’s lawful spouse if living on the date a benefit payment is due. If the spouse is not living, the term means the person’s dependent children. Final survivor benefit is payable at the insured person’s death. An amount equal to 3 times the last monthly benefit paid to the insured person. The amount of the last monthly benefit will not reflect a reduction made for wages earned while partially disabled or rehabilitation work.
Maximum benefit period
A benefit period is the period of time monthly benefits are payable after you
have satisfied your waiting period. If your total disability begins prior to
age 60, your maximum benefit period for each injury or sickness is to Normal
Social Security Retirement Age.
* Age at which the insured person is entitled to unreduced Social Security
Benefits based on the Social Security Amendments of 1983.
Short-Term Disability Plan
For persons insured on or after the effective date of this policy in Short-Term
Plan 5/2 that are disabled resulting from a sickness or accident, benefits are
payable as follows:
When Coverage Starts (Effective Date)
You will be insured on the date you are eligible, provided the required premium
is paid. You must be actively at work on the date your insurance is to take
effect. If you’re not actively working, the insurance will take effect
on the day you resume work.
The date insurance is to take effect might not be a scheduled workday. If so,
you will be considered actively at work on such date if you were actively at
work on your last scheduled workday.
When Coverage Ends
Pre-existing conditions limitations
Pre-existing condition means an injury or sickness for which you incurred charges,
received medical treatment, consulted a physician, or took prescribed drugs
within 12 months before you became insured by this policy.
If total disability is due to a pre-existing condition and it begins within
24 months of the date you become insured by this policy, no benefits will be
paid unless you have not incurred charges, received medical treatment, consulted
a physician, or taken prescribed drugs for such condition, or any complication
of it, for 12 continuous months, while insured.
For more information, including rates, please visit the forms tab to download
the brochure and application.
This plan is underwritten by the United States Life Insurance Company in the City of New York, NAIC No. 70106 domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY 10281. It is currently authorized to transact business in all states, plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions, and limitations of Group Policy No. G-610,405, Form No. G-19000. Coverage may vary or may not be available in all states
The underwriting risks, financial and contractual obligations and support associated with products issued by The United States Life Insurance Company in the City of New York (United States Life) are its responsibility.
The New York City Bar Sponsored Long Term Disability program is available in New York, New Jersey and Connecticut only.
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