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.
Highlights of the AAO-Endorsed Group Disability Income Insurance Plan include:
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 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.
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.
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 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.
Applying for coverage through the AAO-Endorsed Insurance Program is easy. Click below to start the online application process today.Get Started
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