Group Short-Term Disability Income Insurance

Your coverage will begin on the first of the month following the date your application is approved by New York Life Insurance Company, provided you are Actively-at-Work full-time on the date, meet required evidence of insurability requirements and the premium is paid. Benefits will begin on the first day of a covered total disability after completion of the applicable Waiting Period. Benefits will continue until the earlier of (a) the day the insured ceases to be totally disabled or (b) the end of the maximum benefit period.

Yes! You are under no obligation today.

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 receive a full refund – no questions asked! 

Your coverage will end when you are no longer at full-time work, you reach age 70, you stop paying your premiums when due, when you receive covered total disability benefits for the maximum benefit period, when you begin active duty in the armed forces, or the date the group policy ends.

The AOA Group Short-Term Disability Income Insurance pays valuable benefits if a covered injury or illness leaves you totally disabled and unable to perform the material and substantial duties of your occupation. That means you’re covered for injuries caused by car accidents, falls, exercise or sports injuries, or serious illnesses like cancer, strokes, heart disease, complications of pregnancy, and much more. Please refer to the Terms tab for more information on exclusions and limitations.

Under current tax law, your AOA Group Disability Income Insurance benefits may be tax-free as long as you pay your own premiums with after-tax dollars. That means you will receive the benefit amount you applied for in the event of a covered disability. If you own your own business, you may instead choose to claim your premium (or premiums for your employees) as a tax deduction. Check with your accountant for details and guidance on current tax law and the options available to you.

If you are under age 60, then after you’re totally disabled for 6 consecutive months, we will waive any further premiums that come due as long as you remain disabled from that injury or sickness.

Average Monthly Income means a person’s average monthly wages, salaries, bonuses, commissions, fees and any other amounts received by such person for personal services, including the cost of his or her fringe benefits and share of total surplus. It does not include income from overtime, other extra compensation, interest, dividends, rent, royalties, annuities, other insurance and other unearned income.

Covered Total Disability is an incapacity that completely and continuously prevents the insured member from doing the material and substantial duties of his/her regular occupation during the waiting period and during the next 12 consecutive months and any occupation for which he/she is or may become qualified by reason of education, training or experience, after the waiting period and the initial 12 consecutive month period has elapsed. Note: An insured member will not be considered to have incurred a covered disability if at any time he/she is engaged in any occupation for pay or profit.

A loss of license, in and of itself, does not constitute an incapacity that prevents the insured member from doing the material and substantial duties of his or her regular occupation and will not be deemed a Covered Total Disability.

Such covered disability must begin while the insured member is insured under the Policy and be the result of: (1) and injury, For a Covered Total Disability to be considered to have resulted from an injury, the Covered Total Disability must begin within 365 days after an accident, if the accident occurs while the insured member is insured under the policy. If more than 365 days has elapsed, such Covered Total Disability will be considered to have resulted from an Injury; (2) a sickness; or (3) an organ donation that an insured member makes, provided he/she has been insured under the Policy for at least six consecutive months on the day of such donation.

Successive Periods of Covered Total Disability will be considered one period of Covered Total Disability if such disabilities are due to the same or related causes, and which are separated by less than 14 days of return to continuous full-time work during which you are not totally disabled or different or unrelated causes are not separated by return to full-time work.

Waiting Period is the initial, continuous period of a Covered Total Disability which must be completed before such Covered Total Disability benefits become initially payable.

Exclusions: The Policy does not cover, and will not pay a benefit for any Loss or Disability: is related to; 1) the insured’s engagement in any of the following in a role other than as a victim: war, an act of war, or an armed conflict which involves the armed forces of one or more countries.2) due to an act of intentionally self-inflicted Injury or occurs while intentionally injuring oneself while sane; 3) due to participation in or incarceration resulting from any of the following in a role other than as a victim: (a) the commission of a felony; (b) an illegal occupation or activity; (c) an insurrection; (d) terrorist activity; or (e) a riot 4) pregnancy and Childbirth: Disability due to pregnancy, childbirth, or related medical condition is not covered, except for a Complication of Pregnancy as defined by the policy; 5) due to or related to a service in the military, naval or air force of any country, alliance or international organization or in a civilian unit which severs such forces 6) a disability that occurs during, is due to or relating to the insured member travel in, on or fall from any aircraft which is used to train, test or experiment or is part of the military , naval or air force.

Impairment Restriction is a disability that is due to or related to a condition which has an Impairment Restriction. However, at any time and at his or her own expense, the INSURED MEMBER can give medical evidence of insurability for a condition which has an Impairment Restriction. After review of such evidence, New York Life will determine: (a) if and when such Impairment Restriction should be removed or liberalized; or (b) if it should be continued.

Important Information from New York Life Insurance Company

New York Life Insurance Company reserves the right to request medical information to determine applicant’s medical eligibility for coverage. Based on the age of the person proposed for insurance and the amount of coverage requested, a physical examination, EKG, blood test or other information may be required. Not all applicants will have to supply additional information. However, if it is required, New York Life will arrange for an independent professional paramedic to contact you to perform these simple tests at your convenience. The exam and blood test are free-of-charge.

If we can provide the coverage you requested, we will inform you as to when such coverage will be effective. Under no circumstances will coverage be effective prior to this date. Payment of a premium contribution with your application does not mean that there is any insurance in force before the effective date as determined by New York Life.

If we can provide the coverage you requested, we will inform you as to when such coverage will be effective. Under no circumstances will coverage be effective prior to this date. Payment of a premium contribution with your application does not mean that there is any insurance in force before the effective date as determined by New York Life Insurance Company.

When program experience has been good New York Life Insurance Company will periodically return excess premiums in the form of dividends to the AOA as the policyholder. The AOA will retain these dividends in a Dividend on Deposit Account with New York Life. The AOA will in turn periodically make these dividends available through premium credits to existing insureds in the programs which generated the dividends. Sufficient reserves will be retained by the AOA in the Dividend on Deposit Account to cover administrative and marketing costs generated by the New York Life Insurance Programs sponsored by the AOA. Dividends are not guaranteed. These programs are administered together to take advantage of the savings resulting from this integrated approach.

Administrative expenses incurred by the AOA to provide the valuable membership benefits resulting from these sponsored insurance programs are reimbursed from available program dividends. New York Life may also, out of premium, pay a reasonable fee to the AOA for making the AOA assets available to it to promote these programs to the membership. These assets include the AOA Intellectual Property Rights and mailing lists of eligible members.

Yes, Group Short-Term Disability Insurance is endorsed by AOAExcel.

AGIA Insurance Services, Inc.
P.O. Box 26860
Phoenix, AZ 85068

A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. Joseph Guerrero California Agent Insurance license number is 0B54298. Joseph Guerrero Arkansas Agent Insurance license number is 766720.