Accident (5 yr) & Sickness (2yr) Disability Insurance
Current 2016 semi-annual rates for each $1,000 of monthly benefits - DOCTORS, PHYSICIANS ASSISTANTS & NURSE PRACTITIONERS
Current 2016 semi-annual rates for each $1,000 of monthly benefits - DENTISTS
New York Life reserves the right to change premiums on any due date only if they are changed for all the other insured’s in the same insurance class. For example, a “class” is a group of insureds who share the same age. The changes can only be made once in any 365 day period.
Exclusions and Limitations
Preexisting condition is defined as an injury or sickness or any related condition for which a person consults a doctor, receives medical services, supplies, or takes medication during the 12 month period immediately before the effective date of insurance.
Our policy does not cover any disabilities or losses caused or contributed to by: War or any act of war whether declared or undeclared; intentionally self-inflicted injury; traveling in, or flying any aircraft operated by or under the direction of any military (land, sea or air) authority or while in any aircraft being used for any test or experimental purpose; pregnancy beginning before or during the first 30 days after your policy takes effect; service in the armed forces of any country or authority (in such even the pro rata unearned premium will be returned to you); or commission or attempted commission of a felony. In addition, you will not be entitled to benefits for two periods of disability at the same time.
Benefits for disabilities due to mental, nervous disorders or to alcoholism, chemical dependency or substance abuse are subject to a maximum of two years of payment.
30- Day Free Look
When you receive your Certificate of Insurance, examine it carefully. If you are not completely satisfied with your Level Term Disability Insurance Coverage, simply return your certificate, without claim, within 30 days with your request for a full refund of any premium paid.
No questions will be asked and there will be no further obligation.
This website provides a general description of the insurance plan offered and is not a contract. Complete terms, conditions, definitions, exclusions, limitations, and renewability requirements are detailed in Group Policy G-29482-0/GMR-FACE issued to the Insurance Trust of the Professions. When you become insured, you will be sent a Certificate of Insurance summarizing your benefits under the plan.
Questions? Call: 877-867-1892
Sidney A. Sass and Associates
4400 HWY 9, Suite 2800
Freehold, NJ 07728
CA License #0549790
New York Life Insurance Company
51 Madison Avenue, New York, NY 10010
On Policy Form G-29482-0/GMR-FACE