Disability Insurance

Disability can be a major financial burden. With one-third of American workers likely to face a long-term disability, this insurance helps replace lost income so you don’t have to rely on savings, sell your home, or drastically alter your lifestyle. NYSPIA Members have access to specially designed benefit levels to fill gaps not covered by employment with the State of New York.

• Comprehensive coverage: Designed specifically for NYSPIA Members to fill gaps not covered by state employment benefits.
• Income security: Protects your family’s financial stability during challenging times.
• Waived premiums: No premiums required while receiving disability benefits.
• Flexible terms: Benefits continue up to age 65 and may extend for severe disabilities.

Secure your financial future today by enrolling during the open enrollment period!

You are eligible to receive 50% of your earnings, with a maximum benefit of $7,500 per month.  Not to exceed your annual monthly income.

No, once you start receiving disability payments, future premiums will be waived until your payments stop.

During open enrollment, all active NYSPIA Members in good standing and working full-time (20+ hours per week) are guaranteed approval with no medical questions. Applications outside open enrollment may require proof of good health.