Disability Income Insurance

Disability Income Insurance  


Insure Your Income -- Your Most Valuable Asset

Your most important asset is your ability to earn income. Even if you are young and healthy, a serious illness or injury could put you out of work for months or even years — thus jeopardizing your livelihood. A reliable source of disability income protection is this Group Disability Income Insurance exclusively for ISBA members.

Even if you have some disability insurance through your employer, or if you are self-employed, it may not be enough. Many employers provide only a short-term salary continuation coverage or short-term disability income insurance. This insurance can be used to supplement benefits provided by your employer plan or as primary protection. This insurance is designed to provide you with a regular monthly income when you are totally disabled and unable to work as the result of an illness or injury.

Insurance Enrollment Form and Brochure

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

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ISBA members, under age 60 who are at FULL–TIME WORK are eligible to request coverage, provided they reside in the state of Illinois. (Members on active duty in the armed forces and full-time students are not eligible.)

"FULL–TIME WORK" means the active performance of the regular duties of your normal occupation for pay or profit on the basis of at least 25 hours per week at the place such duties are performed.


Helps Protect You as a Lawyer

You will be considered totally disabled, during the waiting period and next 24 months, if due to Injury or Sickness, you are completely unable to perform the material duties of your regular occupation.

After the initial 24 month period, total disability is defined as the complete inability to perform the material duties of any occupation for which you may qualify based on your education, training or experience.


Choice of Monthly Benefits and Waiting Periods


Under this coverage, you can select from four waiting periods: 60, 90, 180 or 360 days.


You can request a monthly benefit amount from $500 to $7,500, in $100 units. However, the monthly benefit which you are requesting, combined with any other disability coverage you have or for which you are applying, cannot exceed of 70% of your AVERAGE MONTHLY INCOME.


Monthly benefits will be paid up to the maximum benefit period: to age 65 for disabilities beginning before age 65, and; 2 years for disabilities beginning on or after age 65. For disabilities due to mental disorders or chemical dependency, the benefit period will not exceed two years, all ages.



AVERAGE MONTHLY INCOME means, as of any date:


  1. If you're self-employed: your average monthly wages, salaries, commissions, fees and any other amounts received by such person for personal services. If your business is incorporated, it also includes the cost of fringe benefits and share of monthly net profit, whether received or not.
  2. If you're not self-employed: the basic monthly rate of compensation from your employer, including commissions.


AVERAGE MONTHLY INCOME does not include income from bonus, overtime pay or other extra compensation. It is computed before deduction of any income taxes or social insurance taxes and after deduction of normal and usual business expenses that are deductible for income tax purposes. AVERAGE MONTHLY INCOME is the average for the immediate preceding tax year or two tax years, whichever produces the higher figure (or entire period, if less than 12 months).

Monthly benefits will be paid up to the maximum benefit period selected. Monthly benefits will end on the date you fail to give required proof of continuing total disability, your total disability ends, the maximum benefit period ends or you die.

Waiver of Premium

After a covered total disability has continued for six continuous months for which benefits are payable and while the program is in force, premiums will be waived and it will not be necessary to continue premium payments for as long as the insured is continuously disabled and receiving benefits. When the insured stops receiving monthly benefits, premiums must again be paid when due.

Related Disability Benefits

The insured will receive their selected benefit for disabilities which are recurrent in nature. Successive periods of disability due to the same or related cause, when separated by a return to FULL-TIME WORK for less than 6 continuous months, shall be considered one period of total disability as will unrelated disabilities that are not separated by a return to FULL-TIME WORK of at least one day.


Survivor Benefits

If you die while receiving benefits, an eligible survivor will receive a one-time benefit payment equal to three times the last net monthly benefit paid to you. Eligible survivors include your spouse or, if spouse is deceased, surviving children under age 23. Only one such benefit is payable.


Vocational Rehabilitation

This benefit is designed to help certain disabled individuals return to the work force. Under this provision, a professional rehabilitation staff reviews case histories and identifies those individuals who appear to have the greatest likelihood of rehabilitation. Individuals selected by New York Life Insurance Company will be offered the option of participating in a rehabilitation program at no cost to them. Participation is voluntary and benefits will not be reduced due to participation in the program.



Effective Date

Insurance for the Disability Income Insurance becomes effective on the first of the month after the date the application is approved by New York Life Insurance Company, provided the first premium has been paid. You must be actively at FULL-TIME WORK on the date the insurance is to take effect. If not, insurance will take effect on the day you resume such FULL-TIME WORK.


When Coverage Ends

Your insurance will end at the earliest of the following: the date group policy ends; the date insurance ends for your class; the end of the period for which the last premium has been paid; the date you cease FULL-TIME WORK for reasons other than TOTAL DISABILITY; the premium due date coinciding with or next following the date you cease to be a member of this association or the association ceases to be a Participating Association; you begin full-time active military duty; or the premium due date coinciding with or next following the date you attain age 70.


Exclusions And Limitations

No benefits are payable for any period of disability during which the insured person is not under the direct care and treatment of a licensed physician. Moreover, no benefits are payable for any disability that is due or related to: intentionally self-inflicted injury whether sane or insane; war or act of war; normal pregnancy or childbirth or voluntary abortion (complications of pregnancy are covered); incarceration for or participation in (except as a victim) an illegal occupation/activity or the commission of a crime; Pre-Existing Conditions as defined below; or active military service.


Pre-Existing Conditions

No benefits will be paid for any disability which is a result of a pre-existing condition. A pre-existing condition is an injury or illness for which you consulted a physician, took medication, or received medical services or supplies during the immediate 12-month period prior to become insured under this policy. Benefits are not payable for a disability due to a PRE-EXISTING CONDITION until the end of: the earlier of 12 consecutive months during which you have not consulted a physician, took medication, or received medical services or supplies; or 24 months.





Insured Member’s Age

60 Day Waiting Period

90 Day Waiting Period

180 Day Waiting Period

360 Day Waiting Period

Under Age 25



















































Your initial premium and all renewal premiums are based on your age and age at each renewal. All changes in premium and coverage will be calculated as of the next premium due date following attainment of age.


Rates will not be changed unless they are changed for all insureds in your classification, or when you reach the next age category.


*For renewal purposes only—only those under age 60 may apply. Insurance terminates at age 70.


If applicable, an additional $2 billing fee will be included on your billing notice payable to the administrator. To avoid the fee, select Electronic Funds Transfer (EFT) or Annual as a safe and secure payment option.



How to Apply

  1. Complete the enclosed Application Form. It is extremely important that you answer fully the questions about medical history on this form. New York Life will rely upon your answers, and failure to provide complete and truthful information may invalidate coverage. Please note that New York Life retains the right to request additional medical information and may contact you directly.
  2. Mail the Application Form together with your check in the postage-paid envelope provided or to this address:
    ISBA Group Insurance Program
    P.O. BOX 14533
    Des Moines, IA 50306-8812

    Residents of Puerto Rico:
    Please send your completed application and check for the initial premium to:
    Global Insurance Agency, Inc.
    P.O. Box 9023918
    San Juan, PR 00902-3918



When you become insured, you will be sent a Certificate of Insurance, summarizing your coverage. This website is only a brief description of some of the policy’s principal provisions and features. The complete terms are set forth in the group policy issued by New York Life Insurance Company to the Illinois State Bar Association.

If you’re 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 be sent a full refund, no questions asked!



New York Life Insurance Company reserves the right to request medical information to determine an 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, we will arrange for a professional paramedic to contact you to perform these simple tests at your convenience. The exam and blood test are free of charge.


Underwritten by New York Life Insurance Company under Group Policy No. G30857-0, on Policy Form GMR-FACE/G-30857-0.

New York Life Insurance Company is authorized/licensed to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group policies it underwrites are available in all jurisdictions. Please check the eligibility sections for current availability. New York Life's state of domicile is New York and NAIC ID #66915.




We're here to help! Please contact us in whatever manner is most convenient for you.


4050 114th Street
Urbandale, Iowa 50322
 M-F 7a-5p, Sat 8a-1p CT
[email protected]

Underwritten by:

New York Life Insurance Company
51 Madison Avenue
New York, NY 10010

Under Group Policy No. G-30720-0 on
Policy Form GMR-FACE/G-30720-0.
Rating Agencies Disclaimer

New York Life is licensed/authorize to transact business in all of the 50 United States, the District of Columbia and Puerto Rico. However, not all group plans 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.