Group Short Term Disability Income Insurance Plan

What would happen if your income stopped tomorrow?

Your ability to earn an income may be your most valuable asset. Your family's lifestyle, your home, your children's education and your retirement may all hinge on your ability to work and earn an income. If you suddenly became too sick or hurt to work, how would you continue your lifestyle? Without an income, years of hard-earned savings could evaporate in a matter of months, even weeks. That's why we want to help you to protect your income and your family's financial security with Disability Income Protection insurance.

Advantages To You

  • Pays up to 66% of your basic monthly pay, to maximum of $3,500 per month, $42,000 a year for a covered disability.
  • For members totally disabled, benefits continue up to 12 months (after 12 months, benefits may be paid under the Voluntary Benefits Plan Long Term Disability Plan if you have that coverage)
  • Benefits may start after a 30 day waiting period (90 day waiting period for pregnancy-related disability)
  • Economical APWU Rates are payable through payroll deduction

Who May Apply For The Plan?

You are eligible if:

  • You are an active APWU Member in good standing. (PSE Members and Associates are also eligible to apply)
  • You have been working full time of (at least 20 hours per week) for at least 90 consecutive days
  • You are under age 65.

What Are The Benefits?

You may select a monthly benefit amount from $500 to $3,500 in $100 increments. Benefits you will be paid cannot exceed 66% of your Average Monthly Income when combined with all Other Income Benefits you receive to from any other source. See the Reduction of Benefits Section.

Average Monthly Income

Average Monthly Income is the monthly rate of pay from your employer. The rate will be that in effect on the day before total disability begins. Average Monthly Income does not include overtime pay, bonuses, or other extra compensation.

Benefit Duration

For all covered injuries and sicknesses other than pregnancy, benefits are payable up to 12 months after the 30-day waiting period, provided you remain totally disabled and give required proof of continuing total disability. For disabilities that are the result of a pregnancy that begins after you are insured for 12 months following the certificate's effective date, benefits are payable for a maximum period of six weeks after the 90 day waiting period. Complications of pregnancy are covered as any other sickness.

Maternity Benefits

Maternity benefits are paid as any other sickness for a maximum period of six weeks. There is a 90-day waiting period for each pregnancy. If pregnancy begins within 12 months of the certificate's effective date, pregnancy-related disabilities will not be covered. Disabilities resulting from complications of pregnancy will be treated the same as any other sickness.

What's a Total Disability?

Total disability means a complete inability to perform the material duties of your regular occupation. The total disability must be a result of an injury or sickness while insured under the policy, and you must be under the regular care of a doctor and not working at a gainful occupation.

Waiting Period

The waiting period means the period of consecutive days between the date that a covered total disability begins and the date the benefit period starts. There is a 30-day waiting period for each injury or sickness except Pregnancy. For pregnancy-related disabilities, there is a 90-day waiting period. Benefits are not payable at any time during the waiting period.

Successive Periods of Total Disability

Successive periods of total disability from the same or related causes, will be considered one period of total disability, unless separated by at least 6 continuous months or more of active employment or due to entirely unrelated causes.

Additional Survivor Benefits

If you are totally disabled for at least 90 consecutive days and die while receiving benefits for such disability, the monthly benefit will be paid for 2 more months to your spouse or children.

Waiver of Contributions (Premiums)

Once you qualify for total disability you will not be required to pay any premiums for the Short Term Disability coverage while you are receiving benefits. When the disability ends and you return to full-time work, you may keep the coverage in force by resuming premium payments.

Exhaustion Of Benefits

Once you have received benefits under the plan for one disability, coverage will automatically terminate once the benefits are exhausted. Additional injuries or sickness contracted during the disability will not extend the coverage beyond the 12 month benefit period. You may reapply for coverage once you have returned to active full-time employment for at least 30 days.

Reduction of Benefits

The amount of monthly benefit selected is the maximum benefit you will receive under the group policy. The benefit will be reduced by any other benefits you are entitled to receive that month from:

  • an employer or self-employment
  • an employer retirement plan, if such plan is elected by the member
  • the retirement system of any government agency
  • the Federal Social Security Act, the Railroad Retirement Act, the Canada Pension Plan or the Quebec Pension Plan
  • an employer benefit plan providing disability income benefits, if such benefits do not reduce the member's life insurance amount or if such plan is elected by the member
  • the Veterans Administration or any other government agency
  • a workers' compensation or similar law.

In no event will the monthly benefit paid under the group policy exceed 66% of your basic monthly salary or be less than $100. In addition, benefits are reduced by one-third upon attainment of age 60. Premiums do not reduce.


Disabilities are not covered if they result from: war or acts of war; intentionally self-inflicted injuries; mental, nervous or emotional disorders; committing a crime or an attempt to do so; or any impairment or disease specifically excluded from the insured's coverage.

Pre-Existing Condition Limitation

Pre-existing conditions are defined as any injury or sickness for which a person incurred charges, received medical treatment, consulted a physician or took prescribed drugs within 12 months prior to the date his or her insurance took effect. Disabilities resulting from pre-existing conditions are not covered under this plan until the person has not incurred charges, received medical treatment, consulted a physician or took prescription drugs for such conditions, or any complication of it, for 12 continuous months or the person stays insured under the plan for 24 continuous months.

How To Determine Your Benefit Amount And Cost

  1. To determine your maximum monthly benefit amount, multiply your basic monthly postal salary by .66 to equal $___________________. Round this number down to the nearest $100.
  2. From the rate chart below, locate your current age and benefit amount from step 1 above. The corresponding amount will be your bi-weekly premium amount that will be deducted from your paycheck upon receipt and approval of your application. You may, of course, apply for an amount equal to or lower than the amount in step 1.
  3. Complete and sign the application and return it. It's that easy!




Monthly Benefit Amount Selected Less Than Age 30 Attained Age* 60 to 69**
and Over
30 to
40 to
50 to
$3,500 $31.78 $38.12 $44.49 $63.53 $82.60
3,400 30.87 37.03 43.21 61.71 80.24
3,300 29.96 35.94 41.94 59.90 77.88
3,200 29.06 34.85 40.67 58.08 75.52
3,100 28.15 33.76 39.40 56.27 73.16
3,000 27.23 32.67 38.12 54.45 70.79
2,900 26.32 31.58 36.85 52.64 68.43
2,800 25.41 30.49 35.57 50.82 66.07
2,700 24.51 29.40 34.31 49.01 63.71
2,600 23.60 28.31 33.03 47.19 61.35
2,500 22.69 27.23 31.77 45.38 58.99
2,400 21.78 26.14 30.49 43.56 56.63
2,300 20.88 25.05 29.23 41.75 54.27
2,200 19.97 23.96 27.95 39.93 51.91
2,100 19.06 22.87 26.69 38.12 49.56
2,000 18.15 21.78 25.41 36.30 47.19
1,900 17.25 20.69 24.15 34.49 44.84
1,800 16.34 19.60 22.87 32.67 42.47
1,700 15.43 18.51 21.60 30.86 40.12
1,600 14.52 17.42 20.33 29.04 37.75
1,500 13.62 16.34 19.06 27.23 35.40
1,400 12.71 15.25 17.79 25.41 33.03
1,300 11.80 14.16 16.52 23.60 30.68
1,200 10.89 13.07 15.25 21.78 28.31
1,100 9.99 11.98 13.98 19.97 25.96
1,000 9.08 10.89 12.71 18.15 23.60
900 8.17 9.80 11.44 16.34 21.24
800 7.26 8.71 10.16 14.52 18.88
700 6.36 7.62 8.90 12.71 16.52
600 5.45 6.53 7.62 10.89 14.16
500 4.54 5.45 6.36 9.08 11.80

*Benefits are reduced by one-third upon attainment of age 60 and terminate at age 70. Premiums do not reduce. Note: The rate will increase as you attain a higher age bracket.

**Rates from 65-69 are for renewal only, members over 64 are not eligible to enroll.

Rates can be changed by New York Life Insurance Company on any premium due date and on any date in which benefits are changed. All rates are current as of 2021.



When Coverage Begins

All coverage is subject to approval by New York Life. Once approved, your coverage will become effective on the first payday the premium is deducted from your paycheck. You must be at work on that day, otherwise, coverage is effective the day you return to work.

When Coverage Ends

Your Short Term Disability Insurance Plan is renewable until you reach age 70 provided the group policy remains in force. Earlier termination can only occur if you (1) fail to pay the required premium when due (2) retire or cease to be actively engaged in full time employment of at least 20 hours per week in your profession for reasons other than total disability or (3) your disability benefits have been paid for 12 months.

Right To Change Benefits or Rates

Future benefits are subject to change by agreement between New York Life and the group policyholder. Rates can be changed by New York Life on any premium due date and on any date in which benefits are changed.


Here's How To Apply

  1. Complete the application which includes medical questions and authorizes payroll deductions.
  2. Please make sure you complete all the information requested. An incomplete application will be returned, resulting in a delay in processing your application. Send no money.
  3. Return your application to: The Voluntary Benefits Plan, P.O. Box 12009, Cheshire, CT 06410

Or click below to get a quote quote and apply online...

Your Evidence of Insurance

Once insured, you will receive a Certificate of Insurance provided under Group Policy G-29315-1/Face (Policy Form GMR).

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.


Except for non-payment of premium contributions, New York Life cannot contest the validity of any insurance after it has been in force for two years.

Any Questions? Call 1-800-422-4492

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.

Administered by:

The Voluntary Benefits Plan
P.O. Box 12009
Cheshire, CT 06410

Phone: 1-800-422-4492
Fax: 1-203-754-7847

Licensed Agent: David Generali. Connecticut State License #2322879
Agency Insurance License Numbers: AR: 245147, CA: 0791700

This is only a brief summary of benefits and is subject to the terms, conditions, exclusions and limitations of group policy number G-29315-1. Complete terms and conditions are found in the group master policy and are summarized in your certificate.

Coverage May Vary or May Not be Available in all States.

This plan is currently not available in NH, NM or VT. It is also not available in the U.S. Virgin Islands, any U.S. Territory, American Samoa, Guam or Puerto Rico.

Underwritten by:

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

New York Life has the received highest possible financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit ratings agencies: A.M. Best (A++), Fitch (AAA), Moody's (Aaa), Standard and Poor's (AA+). *

*As of 9/12/19

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

To find out more about your member benefits today, click here.