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Group Disability With group disability insurance, you can prepare today to better protect tomorrow.


If an illness or injury should occur, you may need more than just health coverage. Group disability insurance can help pay part of your covered earnings when you can't work for a period of time due to a covered illness or injury. 

 

If offered through your employer, New York Life Group Benefit Solutions (NYL GBS) provides two different options to help meet your needs: 

  • Short-term disability: Helps if you are temporarily disabled for a short period of time. 
  • Long-term disability: Offers you additional protection if you are disabled and unable to work for an extended amount of covered time. 

How it works

  • Pays a percentage of covered earnings if you can’t work for a period of time due to a covered illness or injury.

  • Quick disability claim decisions, so you’ll receive payment for your claims quickly. The money can be spent any way you’d like. You can use it just as you’d use your paycheck.

  • Automatic leave initiation  if your employer also partners with New York Life Group Benefit Solutions for leave management administration.  We’ll streamline your request and provide guidance on Family and Medical Leave Act (FMLA), state, and/or company leaves that may be applicable.

Download the transcript

Why enroll in a NYL GBS disability insurance plan through your employer?

We’ll help you get back to your full potential sooner

If a covered disabling illness or injury occurs, our expert health and vocational coaches work together to help get you back on your feet. 

Lower rates

Group coverage is typically less expensive than coverage purchased on your own.

Convenient payroll deductions

With easy deductions from your paycheck, there’s no need to write a monthly check.

Value-added programs¹ and services

You and your covered family members will have access to a suite of programs and services for use at any time with your policy. 

Helping Frank return to work.

When a routine motorcycle ride turned into a serious traffic accident for Frank, NYL GBS professional teams collaborated on a personalized assessment and return-to-work plan. See how they worked together to help Frank return to his job safely and with confidence.

Our value-added programs and services offer support for whatever life brings. When you enroll in NYL GBS Disability insurance, they're included with certain policies, and they are available to you and members of your household. These include:

Employee Assistance & Wellness Support²

Our program offers three face-to-face counseling sessions with certified clinicians as well as up to five resiliency coaching sessions from a certified counselor.   Additional resources include wellness articles, podcasts, videos, and much more.  All services are available 24 hours a day, seven days a week. 

Financial, Legal & Estate Support²

Provides unlimited consultations for financial planning and legal support from certified professionals to help with debt management, credit issues, tax consulting, legal documents, and more. Assistance also includes identity-theft support with legal specialists and fraud-resolution services, interactive online tools, calculators. 

Health Care Support²

Delivers personalized support to help with a wide range of health care and health insurance challenges. Trained health care advocates and registered nurses to help navigate health care plans and address questions. These services help resolve claims and billing issues, understand the appeals process, and simplify complicated administrative issues. 

1These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Not available for policies issued by New York Life Group Insurance Company of NY. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description and are subject to change. Program availability may vary by plan type and location and are not available where prohibited by law.

2These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Some services are available at the option of the employer for an additional cost. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description and are subject to change. Program availability may vary by plan type and location and are not available where prohibited by law. These programs are not available under policies issued by New York Life Group Insurance Company of NY. Services are provided exclusively by ComPsych® effective January 1, 2023. ComPsych is solely responsible for its services and is not affiliated with New York Life Insurance Company or any of its affiliates.

New York Life Group Benefit Solutions products and services are provided by Life Insurance Company of North America and New York Life Group Insurance Company of NY, subsidiaries of New York Life Insurance Company. Policy forms: Disability -TL-004700 et al.

Life Insurance Company of North America is not licensed in New York and does not conduct insurance business in New York.

This material and page are not intended for use with residents of New Mexico.