Group Disability Income Insurance

Group Disability Income Insurance  


IEEE Member Group Disability Income Insurance


For a brief explanation of the IEEE Member Group Disability Income Insurance and how it can help protect you and your family, be sure to visit the Tell Me More section to learn more about the plan, then apply for coverage today!

  • Helping Protect Your Livelihood and Lifestyle:
    Disability income insurance helps provide a substitute source of income if you are Totally Disabled and cannot work.
  • Members Under Age 70 May Apply
  • Choice of Monthly Benefit Options up to $7,540
  • Choice of Waiting Periods (30, 90, 180 or 365 days)
  • Your Choice of How Long Benefits are Paid:
    (Career Coverage, Inflation Fighter Career Coverage, Five Year Coverage)
  • Preferred Definition of Disability Helps Protect You as a Technology Professional:
    "Totally Disabled" means you are prevented by illness or injury from performing the material and substantial duties of your usual occupation, provided you are not otherwise working for pay or profit.
  • 30% Premium Credit Effective Through 11/1/22
  • Premium Payments Waived During Disability
  • Additional Benefits Included:
    Residual Disability Benefit, Leave of Absence or Lay-Off Benefit, Rehabilitation Benefit, Survivor Benefit and Organ Donation Benefit. 
Apply for Group Disability Income Insurance Now

Choose benefits that fit your lifestyle, up to $7,540 each month.

Tell me more

Underwritten by New York Life Insurance Company


These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Insurance Application & Brochure


Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • I already have Group coverage with New York Life Insurance under the IEEE member benefits program. Am I still covered/will you cover claims related to COVID-19?

    If you are unable to work due to having/or being exposed to COVID-19 you may be eligible for benefits through your New York Life Group plan. In order to be eligible for benefits, you must submit medical documentation by a medical professional that your sickness meets the plan’s definition of a disability and prevents you from performing your occupation.

    Numerous factors will determine if a claim will be covered, including the type of coverage and the terms and conditions of the certificate and policy. The claim will be evaluated in accordance with the applicable waiting period and any other limitations, as for any other sickness or injury.

  • Who is eligible for this insurance?

    This Coverage is available exclusively to IEEE members* under age 70 who are at FULL-TIME WORK (as defined in Tell Me More), provided their ANNUAL GROSS EARNED INCOME  is at least $20,000 for the preceding 12 month period. In order to become insured, satisfactory evidence of insurability must be provided and the required premium must be paid.


    This coverage is only available for residents of the U.S. (except VT and territories), Puerto Rico and Canada (excluding Quebec). Note: This coverage is available to residents of Canada (except Quebec). Mercer (Canada) Limited, represented by its employees Nicole Swift and Pauline Tremblay, acts as broker with respect to residents of Canada.


    *Participation in the IEEE Group Insurance Program requires active IEEE membership status during the life of the Policy.


  • When is the coverage effective?

    Note: Residents of MD and NC: Any reference to "performing normal activities" is replaced by the requirement that the health status of any proposed insured person remains the same as stated in your application.


    You will become insured on the date specified by New York Life Insurance Company provided the first premium contribution has been paid, satisfactory evidence of insurability has been submitted, and you are actively performing the normal activities of a person in good health of like age on that date. If you are not performing your normal activities as required, coverage will not become effective until the day you are performing such normal activities provided such date is within three months of the date insurance would have been effective and you are still eligible for insurance. Payment of a premium contribution for insurance does not mean there is any coverage in force before the effective date specified by New York Life Insurance Company.


    Note: There are instances where New York Life Insurance Company may be able to offer insurance, at the same cost, by eliminating coverage for a specific impairment or disease.

  • How much disability should I consider?

    This depends on a number of factors including: the disability beneifts that you may receive from your employer, the amount of private disability income insurance you may have in force, plus the household income that will continue during your disability.
  • Can you explain the three coverage options?

    Career Coverage
    If you are Totally Disabled before age 63, benefits are payable up to age 65. There is a two year maximum benefit for Total Disabilities starting at ages 63 through 74. 

    Five-Year Coverage
    Benefits are payable for up to five years for Total Disabilities commencing prior to age 60. For Total Disabilities starting at ages 60 through 62, benefits may continue up to age 65. For Total Disabilities starting at ages 63 through 74, benefits may continue for up to two years.

    Inflation-Fighter Career Coverage
    This Coverage offers disability coverage that, once benefits begin, can help keep pace with inflation. Monthly benefits will be adjusted annually from the date of disability if you are Totally Disabled prior to age 63. Adjustments may be made to the Monthly Benefit paid in the second and each succeeding year. 

    The adjusted amount will be based on the Consumer Price Index for Urban Consumers (CPI-U), up to a maximum 5% increase per year and an overall maximum increase of one times the original benefit.* Once you are no longer disabled and benefit payments stop, the Monthly Benefit returns to the original option amount. 

    Benefits are payable up to age 65 for Total Disabilities starting before age 63. For Total Disabilities starting at ages 63 through 74 the inflation-fighter feature is no longer applicable and, benefits will be payable in accordance with the basic Career Coverage (i.e., up to two years maximum). 

    *A catch up feature allows disabled members to receive benefit increases in excess of the 5% annual maximum if the prior years' compounded rates of inflation were less than 5% annually. Contact the Administrator for additional details on this feature.

    Note: Benefits for disabilities due to Mental Disorders or Chemical Dependency are limited to a maximum of 36 monthly payments, regardless of Coverage choice.

  • What is the waiting period?

    You have a choice of four waiting periods before benefit payments begin: 30, 90, 180 or 365 days. A waiting period is the number of consecutive days you must be Totally Disabled before benefit payments begin. You should choose one that will provide benefits when your employer-provided salary continuation policy runs out. Coverage with a longer waiting period is less expensive.

  • How is Total Disability defined?

    "Totally Disabled" means you are prevented by illness or injury from performing the material and substantial duties of your usual occupation, provided you are not otherwise working for pay or profit.

  • Will I meet with a salesman?

    Issuance of this coverage is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with a salesman. You can, of course, talk to a licensed representative if you'd like. Please see the Contacts section for the Programs Administrator's toll-free number.
  • When does the coverage end?

    Your insurance may remain in force until the November 1 anniversary date on or immediately after you reach age 75, provided you: (a) do not cease FULL-TIME WORK other than for reasons of disability; (b) remain an IEEE member; (c) continue to pay premium contributions when due; (d) do not enter full-time active duty in the armed forces (coverage may be restored upon termination of active duty status, subject to policy guidelines); or (e) you do not elect to terminate your coverage; or (f) the group policy is not terminated or modified by the Policyholder or New York Life Insurance Company to end insurance for the group of insureds to which you belong.

  • Are there any exclusions?

    Yes. Please refer to Tell Me More under the heading Additional Benefits for a listing.

  • What if I have second thoughts after I apply?

    When you become insured, you will be sent a Certificate of Insurance summarizing your benefits. 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—no questions asked!

  • Who is the underwriter?

    This policy is underwritten by New York Life Insurance Company, under Group Policy No. G-12150-2, on Policy Form GMR-FACE/G-12150-2. 

    About New York Life Insurance Company.

    Rating Agencies Disclaimer

  • How much insurance can I request?

    You have a choice of Monthly Benefit Options, from $260 to $7,540 (in $130 units). However, members age 65-69 may not request a Monthly Benefit Option in excess of $3,250. The option you choose, together with any other disability income insurance you may have, cannot exceed 60% of your AVERAGE MONTHLY INCOME (as defined in Tell Me More). Also, if you have been self-employed for less then one year, your Monthly Benefit Option is limited to $1,040. Depending on your state of residence, you may be eligible to receive disability benefits under a state plan. You should check to see if your state offers this type of benefit.


Content contained on this page pertains only to IEEE members in Canada (excluding Quebec). The life and health plans are available through Mercer (Canada) Limited. Mercer (Canada) Limited is represented by its employees Nicole Swift and Pauline Tremblay, acts as broker with respect to residents of Canada. The Professional Liability Insurance Plan is available through Marsh Canada Limited. Marsh Canada Limited, acts as the insurance broker with respect to residents of Canada.

Note: Some of the links contained on this site will take you to non-Mercer/non-Marsh Canada Limited/third-party site and Mercer and Marsh Canada Limited are not responsible for the content of these web pages. All dollar figures referenced on this site are in U.S. dollars unless otherwise stated.

This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. The information contained herein is based on sources we believe reliable, but we make no representation or warranty as to its accuracy. Marsh shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage.

Marsh is one of the Marsh & McLennan Companies, together with Guy Carpenter, Mercer, and Oliver Wyman.
Copyright 2016 Marsh Canada Limited and its licensors. All rights reserved.

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 Program Administrator
IEEE-Sponsored Insurance Program Administrator
12421 Meredith Drive
Urbandale, IA 50398
 M-F 7:30a-6p, Sat 8a-1p CT

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