Group Disability Income Insurance

Your income allows you to afford life's expenses and provide for the people you love—but what would happen if a disability prevented you from earning your paycheck?

Group Disability Income Insurance through AIIT offers protection for what you value most by helping replenish your lost wages if a covered injury or illness keeps you from doing your job.

Coverage Highlights




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  • Choose from two plan options: Long-term or short-term
  • Your choice of monthly benefit: Short-term plan ranges from $300 to $2,500 per month; long-term plan ranges from $500 to $6,000 per month1
  • Your choice of waiting period: long-term plan waiting period is 30–90 days; short-term plan waiting period is only 30 days
  • Future Purchase Option available with long-term plan
  • Premium payments can be waived while receiving benefits for a covered total disability that has lasted 6 months
  • Residual benefits if you meet eligibility requirements so you can still collect a portion of your benefit after returning to work
  • 20% premium credit for new insureds for the first two years
  • Portability, giving you the freedom to change jobs without losing your coverage2


We also offer AIIT-Sponsored Group Critical Illness Insurance.

This coverage can help provide the financial support you'll need to deal with an unexpected illness. By supplementing your existing health insurance, this product can help cover hidden expenses like co-pays, deductibles, prescriptions, treatment, or travel to consult specialists.

Coverage Highlights

  • Simplified issue: answer only a few health questions—in many cases, no physical exam or medical tests are required
  • Coverage amounts: up to $100,000 per critical illness ($200,000 for two separate, distinct illnesses)
  • Flexible cash benefit: use at your own discretion
  • No benefit cutbacks: your benefit amount will not decrease with age


1The maximum amount payable under the policy of any month of an insured professional's covered disability is $8,500. Reference the brochure for more information regarding maximum monthly benefit amounts available for member age 50+.

2As long as you pay premiums when due, maintain your AIIT membership, you remain at Full-Time work, are under age 75 for Long Term Plan and 65 for Short Term Plan, you do not begin Active Duty in the Armed Forces, and the Group Policy remains in force.

Underwritten by New York Life Insurance Company on Policy Form GMR. For more information, including features, costs, eligibility, renewability, limitations and exclusions reference the Policy Brochure.

New York Life Insurance Company, founded in 1845 and a recognized leader in the group insurance field, is one of the largest and most respected life insurance companies in the nation. New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer by Standard & Poor's (AA+); A.M. Best (A++); Moody's (Aaa); and Fitch (AAA). Source: Individual Third-Party Ratings Reports as of 11/17/23.

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 coverages it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability. New York Life's state of domicile is New York, and NAIC ID# is 66915