This group accident program is underwritten by New York Life Insurance Company,
New York, NY 10010 on Policy Form GMR.
Becoming Totally Disabled often results in a loss of income from work, and sometimes the loss can be significant. This Plan is designed to pay you monthly benefits should you become Totally Disabled by an accidental Injury while covered under this policy and under the regular care of a physician (other than a family member) for that injury. Injury means bodily injury which results directly from an accident and independently of all other causes, occurs while you are covered under this policy and results in Total Disability within 180 days of that accident.
Once you have been accepted in the Plan, your coverage cannot be cancelled because of your health or the number of claims you have made. That's a promise you'll love even more as time goes by.
Once you start receiving your monthly benefit check (after your waiting period), you will continue to receive benefit checks for up to two full years, provided your Total Disability completely and continuously prevents you from performing the substantial and material duties of your usual occupation and you are not working in any occupation for pay or profit.
Your coverage will be effective on the first day of the month on or following the date your Acceptance Form is received and your premium is paid. You must be actively at work at least 30 hours a week on your effective date.
You can enjoy the protection of your coverage until age 70, at which time coverage ends. Earlier termination will occur only if the required premiums are not paid in a timely manner, you cease to be actively at work at least 30 hours a week, you begin active duty in the armed forces, or the Master Policy is terminated by either Attorneys Group Insurance Trust or New York Life Insurance Company.
You'll have 30 days to review your Certificate of Insurance. If it's not everything you hoped for (though we're sure you'll be delighted), just return the Certificate to us. No questions asked. (Any premium which has been paid will be promptly refunded, minus any claims paid.)
Attorneys, under age 70, residing in the U.S., who are actively at work at least 30 hours a week, can have this excellent coverage, with all the benefits.
This Policy does not cover:
Successive Periods of Disability Limitation: Periods of Disability: a) due to the same or related medical causes; and b) separated by less than 6 months during which you are continuously Actively-at-Work; will be considered one Period of Disability. Disabilities due to different causes must be separated by a return to full-time work.
Concurrent Disabilities: Benefits during any Period of Disability as the result of more than one accident will be considered the same as if the disability resulted from only one cause.
This website is intended only to highlight, in general, understandable terms, some of the important features and provisions of this Plan. Insurance afforded under this Plan is governed by the terms and conditions set forth in Policy Number G-30156-0 issued to the Attorneys Group Insurance Trust (AGIT) by New York Life Insurance Company. Nothing herein changes such Policy. Should a conflict arise between this brochure and the Policy, the Policy contract prevails. This plan is marketed and administered by The Princeton Corporation. Plan not available in all states. This plan is not available to residents of New Hampshire.
New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the website or contact the plan administrator for current availability. New York Life's state of domicile is New York, and NAIC ID # is 66915.
CA Insurance License: OC94628; AR Insurance License: 1484013
Policy Form GMR FACE SMRU 1808934