Your paycheck supports the people and responsibilities that matter most. If an unexpected covered illness or injury keeps you out of work, disability insurance can help provide monthly cash benefits while you recover.
Guaranteed Issue Group Short-term Disability can help replace a portion of your income with cash benefits up to $2,000 a month for up to 12 months.¹
No health questions. No medical exam. Simple online application.
Find your rate below. Active members and PSEs have the option to have premiums automatically deducted from your paycheck. (Associates receive a quarterly bill.)
* 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. For ages 46 and over, please visit vbp.nylinsure.com to see your cost.
For questions, including features, costs, eligibility,
renewability, limitations, and exclusions call 1 (800) 422-4492,
Monday through Friday, 8:30 AM to 5:00 PM (ET)
The Voluntary Benefits Plan® also offers additional Short-Term and Long-Term Disability Insurance options for all eligible members under age 65.
Combined coverage options may help replace up to 66% of your average monthly income — up to $3,500 a month.⁴
Coverage options include:
Short-Term Disability Insurance
Long-Term Disability Insurance
Combined protection options
Guaranteed Issue Group Short-Term Disability Insurance is underwritten by New York Life Insurance Company — helping protect individuals and families for over 180 years.
New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer from all four major credit rating agencies:
A.M. Best (A++)
Fitch Ratings (AAA)
Moody’s Investors Service (Aa1)
Standard & Poor’s (AA+)
Source: Third Party Rating Reports as of 9/30/25.
¹ Benefits begin after a 30-day waiting period. Monthly benefits are available from $500 to $2,000 in $100 increments, subject to eligibility requirements and policy limitations.
² Guaranteed acceptance is available to eligible full-time APWU members under age 46 who meet eligibility requirements, including active APWU membership in good standing, full-time employment, and who have not, within the past 5 years, applied for and been declined Disability Insurance administered by the Voluntary Benefits Plan®.
³ Pregnancy-related disabilities have a 30-day waiting period and benefits may continue for up to six weeks.
⁴ Additional coverage options are subject to standard underwriting, which may require a medical exam or blood tests, and eligibility requirements.
For more information, including features, costs, eligibility, renewability, limitations, and exclusions, please contact Voluntary Benefits Plan at 1-800-422-4492, Monday through Friday, 8:30 AM to 5:00 PM (ET).
30-Day Free Look Period: If you are 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.
This information is only a brief description of the principal provisions and features of the Policy. The complete terms and conditions are set forth in the group policy G-29315-1 issued by New York Life Insurance Company to the Trustee of the Voluntary Benefits Plan Insurance Trust. When you become insured, you will be sent a Certificate of Insurance summarizing your benefits under the Policy. Coverage may vary and may not be available in all states. This material is not intended for use with residents of New Mexico.
Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010, on Policy Form GMR/FACE, Group Policy No. G-29315-1 (Short-Term Disability Insurance) and G-29315-2 (Long-Term Disability Insurance).
Administered by: Voluntary Benefits Plan®, PO Box 12009, Cheshire, CT 06410. Agency Insurance License Numbers: AR: 245147, CA: 0791700.
NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company.
SMRU # 8949764.1