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Group Disability
With group disability insurance, you can prepare today to better protect tomorrow.
If an illness or injury should occur, you may need more than just health coverage. Group disability insurance can help pay part of your covered earnings when you can't work for a period of time due to a covered illness or injury.
If offered through your employer, New York Life Group Benefit Solutions (NYL GBS) provides two different options to help meet your needs:
- Short-term disability: Helps if you are temporarily disabled for a short period of time.
- Long-term disability: Offers you additional protection if you are disabled and unable to work for an extended amount of covered time.
How it works
Pays a percentage of covered earnings if you can’t work for a period of time due to a covered illness or injury.
Quick disability claim decisions so you’ll receive payment for your claims quickly. The money can be spent any way you’d like–just like you’d use your paycheck.
Automatic leave initiation if your employer also partners with New York Life Group Benefit Solutions for leave management administration. We’ll streamline your request and provide guidance on Family & Medical Leave (FMLA), state, and/or company leaves that may be applicable.
How it works
Pays a percentage of covered earnings if you can’t work for a period of time due to a covered illness or injury.
Quick disability claim decisions, so you’ll receive payment for your claims quickly. The money can be spent any way you’d like. You can use it just as you’d use your paycheck.
Automatic leave initiation if your employer also partners with New York Life Group Benefit Solutions for leave management administration. We’ll streamline your request and provide guidance on Family and Medical Leave Act (FMLA), state, and/or company leaves that may be applicable.
Why enroll in a NYL GBS disability insurance plan through your employer?
We’ll help you get back to your full potential sooner
If a covered disabling illness or injury occurs, our expert health and vocational coaches work together to help get you back on your feet.
Lower rates
Group coverage is typically less expensive than coverage purchased on your own.
Convenient payroll deductions
With easy deductions from your paycheck, there’s no need to write a monthly check.
Value-added programs1 and services
You and your covered family members will have access to a suite of programs and services for use at any time with your policy.
Meet Teresa
After Teresa had to take time off from work to have a back surgery, she feared what the future would bring and how her recovery would go. A vocational coaching team worked with Teresa and her manager to help her reach her full potential sooner.
New York Life Group Benefit Solutions and Achilles International, working together for our customers.
Achilles International is a nonprofit that brings volunteers and disabled runners together to train in an environment of support and community.
Our collaboration with Achilles International helps us accelerate whole-person health and build strong personal relationships with those we serve.
See how our collaboration has impacted Makeda:
MEET MAKEDA
When a nurse found herself unable to walk, we helped her recover so she could get back to the work and life she loves.
Our value-added programs and services offer support for whatever life brings. When you enroll in NYL GBS Disability insurance, they're included with certain policies, and they are available to you and members of your household. These include:
NYL GBS Life Assistance Program (LAP)
NYL GBS Life Assistance Program (LAP) offers phone consultation, counseling referrals, online work/life support, and community services for many of life's challenges.
My Secure Advantage™ (MSA)
My Secure Advantage™ (MSA) is a full-service financial wellness program that offers solutions to all types of personal financial needs. The program includes access to "money coaching" from experienced financial experts; identity theft resolution and protection; online will preparation; legal consultation referrals and discounts; educational webinars; access to a library of articles, tools, forms and tips; and more.
NYL GBS Health Advocacy Services2
NYL GBS Health Advocacy Services provides you and your family (including spouse/domestic partner, dependent children, parents, and parents-in-law) access to expert assistance with a wide range of healthcare and health insurance issues. Includes Medical Bill Saver™—a service to help participants negotiate discounts on out-of-pocket medical expenses over $400. Check with your employer to find out if this program is available to you.
Employee Assistance & Wellness Support2
Our program offers three face-to-face counseling sessions with certified clinicians as well as up to five resiliency coaching sessions from a certified counselor. Additional resources include wellness articles, podcasts, videos, and much more. All services are available 24 hours a day, seven days a week.
Financial, Legal & Estate Support2
Provides unlimited consultations for financial planning and legal support from certified professionals to help with debt management, credit issues, tax consulting, legal documents, and more. Assistance also includes identity-theft support with legal specialists and fraud-resolution services, interactive online tools, calculators.
Health Care Support2
Delivers personalized support to help with a wide range of health care and health insurance challenges. Trained health care advocates and registered nurses to help navigate health care plans and address questions. These services help resolve claims and billing issues, understand the appeals process, and simplify complicated administrative issues.
1These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Not available for policies issued by New York Life Group Insurance Company of NY. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description and are subject to change. Program availability may vary by plan type and location and are not available where prohibited by law.
2These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Some services are available at the option of the employer for an additional cost. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description and are subject to change. Program availability may vary by plan type and location and are not available where prohibited by law. These programs are not available under policies issued by New York Life Group Insurance Company of NY. Services are provided exclusively by ComPsych® effective January 1, 2023. ComPsych is solely responsible for its services and is not affiliated with New York Life Insurance Company or any of its affiliates.
New York Life Group Benefit Solutions products and services are provided by Life Insurance Company of North America and New York Life Group Insurance Company of NY, subsidiaries of New York Life Insurance Company. Policy forms: Disability -TL-004700 et al.
Life Insurance Company of North America is not licensed in New York and does not conduct insurance business in New York.
This material and page are not intended for use with residents of New Mexico.