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Group Long Term Disability Insurance

Help protect your income and your family’s financial future when you need it most.

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When you can’t work, the bills don’t stop — neither does time.

Instead of watching your income or hard-earned savings evaporate in the event of a disability, Group Long Term Disability Insurance can help you cover your living expenses. You’ll have the security of knowing you and your family are protected for an extended length of time. That can help safeguard your child’s education as well as your retirement.

Collect up to $3,500 a month
Collect up to $3,500 a month
Up to $42,000 a year if a covered disability keeps you from working.
Benefits available until age 65
Benefits available until age 65
Once the 12-month waiting period has been satisfied, benefits for a total disability that begins prior to age 61 are payable up to age 65 or you return to work. Benefits are also payable for disabilities that begin between ages 61 and 69. Please view the product kit for full details.
Specially negotiated APWU rates
Specially negotiated APWU rates
Payable through payroll deduction.
Calculate Your Premium Apply Online

For questions call 1 (800) 422-4492,
Monday through Friday, 8:30 AM to 5 PM (ET)

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Use this handy calculator to get a good idea of what your rate will be.

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Please Note:
You must notify The Voluntary Benefits Plan of any address change for you, your dependents and/or beneficiaries, and any change in employment and union membership status change, life status change (i.e., marriage, divorce, beneficiary or name change), or benefit changes requested. Notice must be in writing. To continue coverage, insured must continue to be eligible for coverage under the terms of the group certificate, please advise us of any change that affects your eligibility for coverage.

Underwritten By:

Underwritten by New York Life Insurance Company (51 Madison Avenue, New York, NY 10010 (on Policy Forms G-29315-8,-9,-10/GMR-FACE and G-29315/GMR-FACE). Please refer to the Certificate of Insurance for details of your coverage.

New York Life Insurance Company 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 policies it underwrites are available in all jurisdictions. New York Life Insurance Company’s state of domicile is New York, and NAIC ID# is 66915.

Administered By:
Voluntary Benefits Plan
P.O. Box 12009
Cheshire, CT 06410
Phone: 1-800-422-4492
Fax: 1-203-754-7847

We have the answers

Short Term Disability will pay benefits on the 31st day of a covered disability and benefits are payable up to 12 months. Long Term Disability will pay benefits from the 13th month of a covered disability and benefits are payable to age 65 or until you return to work. Benefits are also payable for disabilities that begin between ages 61 and 69. Please view the product kit for full details.

The underwriting process depends on your answers to the medical questions on your application. In some instances, the insurance company may have to ask you or your doctor for additional information, resulting in additional processing time.

Total Disability refers to a condition where a disability leaves you unable to perform the material duties of your regular occupation for the first 24 months following the 12-month disability waiting period. Once benefits are paid for 24 months, Total Disability is defined as the complete inability to perform the material duties of any gainful job for which you are reasonably fit by training, education, or experience. It's important to note that you do not necessarily have to be hospitalized or confined to your home, but you must be under regular medical supervision to qualify for benefits and must refrain from engaging in any gainful employment.

Important information and forms
Download VBP Long Term Disability Brochure
Download VBP Long Term Disability Application
Apply Online

For questions call 1 (800) 422-4492,
Monday through Friday, 8:30 AM to 5 PM (ET)
To Request VBP Brochures or to Provide Feedback.
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Questions? We're here to help APWU members and their families
Call 1 (800) 422-4492
Monday through Friday, 8:30AM to 5PM (ET)
30-Day Free Look
Once you receive your Certificate of Insurance, if you’re not 100% satisfied within the first 30 days, return your Certificate (without claim) and we’ll send you a full refund of any premiums paid during that period and your Certificate will be considered never issued. You will be under no further obligation.