Disability Income Protection Plan

Disability Income Protection Plan  


Don't let a disability put an end to your income.
Disability insurance should be an essential part of everyone’s portfolio. A disabling accident or illness can happen in the blink of an eye. And if you have to stop working, chances are your income will stop too. But it doesn’t have to if you protect yourself with disability insurance. 

The Disability Income Protection Plan available through the Alumni Insurance Program can help. You can select benefit amounts, how long you must be off work before benefits are paid, how long benefits will be paid, and other plan features. You receive a monthly benefit that you select (up to the specified percentage of your Basic Monthly Pay). With this benefit you can better keep up with your living expenses until you get back to work. 

Disability Income Insurance is often considered a very affordable way to assure yourself and your family a stable income if you become totally disabled. Disability Income Insurance is not only economical, but it is also one of the types of insurance you are most likely to need!

Learn more.
To learn more about the features and benefits (including costs, exclusions, limitations and terms of coverage) of the Alumni Disability Income Protection Plan, click on "Learn More or Apply" or call 1-888-560-ALUM (2586).

This plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106 domiciled in the state of New York with a principal place of business of 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states, plus DC, except PR.

Policies issued by the United States Life Insurance Company in the City of New York (US Life). Issuing company US Life is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. Policy #G-610,386, Form #G-19000.

This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of the group policy.


Explore Your Options Today.


  • Who can apply for this plan?

    All alumni under age 60 may request coverage provided you are regularly and actively engaged on a full-time basis in a gainful occupation (at least 30 hours per week).
  • How does the plan work?

    This plan is designed to provide you with a regular monthly income when you are Totally Disabled and unable to work as a result of a covered injury or sickness.
  • How much coverage do I need?

    No two families are alike. That's why this plan gives you the flexibility to choose a coverage amount that fits your lifestyle.

    You may apply for benefits ranging from $100 to $10,000 a month, in $100 increments, but not to exceed 50% of the basic monthly pay.

    Total disability benefits you receive from this plan and from any other income replacement plans (including Worker’s Compensation, Social Security, employer-sponsored salary continuation, group or franchise plans or retirement programs) may not exceed 70% of your basic monthly pay.
  • How much will this coverage cost?

    Your premium is based on your age, the monthly disability benefit you request plus the waiting period (e.g. 60, 90 vs. 180 days) and benefit period (5 years).
  • When is the coverage effective?

    Insurance becomes effective on the first of the month following the date the application is approved by the insurance company, provided the first premium has been paid. However, if an alumnus/alumna is not actively at full-time work on the date coverage would be effective, coverage will not begin until the day after he or she returns to active full-time work.

    Premium payment for insurance does not mean there is any coverage before the effective date of coverage as specified by United States Life Insurance Company.
  • How do I apply?

    For more information or to apply click the “Learn More or Apply” button then download and complete the application. You may also contact AMBA at 1-888-560-ALUM (2586) for an application.

Group Policy No.G-610,386 AG-11504


Information regarding your insurability will be treated as confidential. The United States Life Insurance Company in the City of New York or its reinsurers may, however, make a brief report thereon to the MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company with the information about you in its file. Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at 866 692-6901. If you question the accuracy of the information in MIB's file, you may contact MIB and seek a correction in accordance with the procedures set forth in the federal Fair Credit Reporting Act. The address of MIB's information office is 50 Braintree Hill Park, Suite 400, Braintree, Massachusetts 02184-8734. The United States Life Insurance Company in the City of New York, or its reinsurers, may also release information from its file to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.

Note: Canadian Members should continue to use the following address: 330 University Avenue, Suite 501, Toronto, Ontario, Canada, M5G 1R7, tel. no. 416-597-0590.


This is to inform you that as part of our procedure for processing your insurance application, an investigative consumer report may be requested for the preparation of a report whereby information is obtained through personal interviews with your neighbors, friends, or others with whom you are acquainted or who may have knowledge of any such items of information. This inquiry includes information as to your character, general reputation, personal characteristics, and mode of living. You have the right to make a written request to be informed as to whether or not such consumer report was requested, and if such report was requested, the name and address of the consumer reporting agency to whom the request was made. You may receive a copy of this report by contacting such agency.


We're here to help! Please contact us in whatever manner is most convenient for you.

 Insurance Company Address
The United States Life Insurance Company
in the City of New York
3600 Route 66
P.O. Box 1580
Neptune, NJ 07754-1580
 Office Address
4050 114th Street
Urbandale, Iowa 50322
 Application Mailing Address
Customer Service
PO Box 14533
Des Moines, IA 50306
1-888-560-ALUM (2586)
 M-F 8:15a-5p CST