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Group Disability Income Insurance

Most of us insure our cars, homes, and health, but too many of us fail to protect our most important asset—our income. AAO-Endorsed Group Disability Income Insurance now comes with own occupation coverage, which helps ensure your paycheck is secure, even if an illness or injury keeps you from working. An enhanced own occupation plan, the policy helps to protect your income if you are disabled and unable to work as an orthodontist, even if you are working in another occupation.


Plan Overview

Highlights of the AAO-Endorsed Group Disability Income Insurance Plan include:

  • Wide range of coverage amounts: Choose any amount you need, from $500 to $15,000 per month in increments of $100
  • Benefit period: Disability benefits may be paid during a covered total disability up to age 67 (for disabilities beginning before age 66) and up to one year (for disabilities beginning at age 66 or older)
  • Future purchase option: Increase your coverage in the future—without medical underwriting—to help ensure your coverage keeps pace as your earnings grow
  • Residual benefits available: Depending on your circumstances, you may be eligible to continue receiving a portion of your total disability benefit after you return to work
  • Own occupation definition of disability: Receive benefits if a covered illness or injury prevents you from performing the material and substantial duties of your own occupation as a specialist in orthodontics, even if you are working in an alternate occupation

For additional details—features, costs, eligibility, renewability, limitations, and exclusions—refer to the AAO-Endorsed Group Disability Income Insurance brochure. This material is not intended for residents of New Mexico.

Short-Term Disability Is Also Available

Short-Term coverage is available, with benefits up to $5,000 per month (up to 11 months*). Group Short-Term Disability Income Insurance can help safeguard against the potentially devastating consequences a disability can have on your finances. In the event of a short-term disability or illness, this plan can help protect your practice and assets by paying a monthly benefit. Check the product details for more information.

*Short-Term Plan for a covered disability starting before the termination age date. 30-day waiting period. Future Purchase Option is not available for the Short-Term Plan.

Is AAO-Endorsed Group Disability Income Insurance Right for You?

If you earn an income, you should consider disability insurance. Losing the ability to earn a paycheck, even for a short time, can be devastating. AAO-Endorsed Group Disability Income Insurance may be a smart option for individuals looking for portable protection. Unlike employer-sponsored plans, our coverage can stay with you even if you change jobs. For questions on this coverage, contact a representative at 800.622.0344.

Insurance Carrier

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 ratings for financial strength currently awarded to any U.S. life insurer by all four major ratings agencies: A.M. Best (A++), Fitch Ratings (AAA), Standard & Poor's (AA+), and Moody's Investors Service (Aaa).*

*Source: Independent Third Party Ratings Report as of 9/12/2019

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

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. Please check the plan details for current availability.

This is a brief summary of benefits only. Complete details are in the master policy issued by New York Life Insurance Company to the American Association of Orthodontists.

The AAO Group Disability Insurance Plan is underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010, under Group Policy No. G-14242-3 on Policy Forms GMR-FACE/G-14242-3.

New York Life's state of domicile is New York, and NAIC ID # is 66915.

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