Disability Income Insurance

Disability Income insurance helps provide financial stability in the event you suffer a disabling injury or illness that prevents you from working. It can serve as a primary income replacement policy or act as a supplement to your Social Security benefits, government benefits, employer benefits, and benefits from other group policies.1

To apply for the flexible coverage you can trust.

Apply Online

Or, assess your needs with our Disability Needs Calculator

Assess Your Need


ACS Group Disability Income coverage features:

  • Protects up to 60% of your monthly salary, up to $10,000 a month
  • Two benefit period options—up to two years or to age 702

  • Various waiting periods to choose from
  • Spouse/Domestic partner coverage available—even if member is not covered
  • Consumer Price Index Cost of Living feature

1Disability benefits under this ACS policy are reduced by any benefit amount received from these sources. However, a minimum payment of $100 will be made. Contact your advisor for tax ramifications.

2Under both the short-term and long-term coverage for a disability starting on or after your 67th birthday, benefits will reduce 50% and are payable for 24 months or until your 70th birthday—whichever occurs first.

See brochure to find out more about the features, costs, eligibility, renewability, limitations, and exclusions.


ACS Plan Administrator:
Pearl Insurance
1200 East Glen Avenue
Peoria Heights, IL 61616-5348

Phone: 800-752-0179
Hours: 7 a.m. – 7 p.m. (Central)

Email: Customer Service

Insurance Underwriter:
New York Life Insurance Company
51 Madison Avenue
New York, NY 10010

New York Life 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 policies it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability. New York Life’s state of domicile is New York, and NAIC ID # is 66915.

Click the button to obtain the flexible coverage you can trust.