This program is underwritten by New York Life Insurance Company,
New York, NY 10010 on policy form GMR-FACE

Here’s how the plan works

BOTH Sickness AND Accidental Injury are Covered

Becoming Totally Disabled often results in a loss of income ... sometimes a significant loss.  This plan is designed to pay monthly benefits should you become Totally Disabled by a covered sickness or accidental injury while you're covered under this policy and under the regular care of a physician (other than a family member) for that condition.

Residual Disability Benefit is INCLUDED

Helping you rebuild your income after being disabled is an important part of this plan.  After you've received benefits for a Total Disability and are, then, able to perform at least one of the substantial and material duties of your regular occupation, you'll receive this residual benefit described in your insurance certificate, provided your income loss is between 20% - 80% and you're under the regular care of a physician.

Vocational Rehabilitation Benefit is INCLUDED

Getting you back to work as soon as possible after a Total Disability is an important part of this Plan's many benefits.  Your insurance certificate will have all the details on this important benefit.

Communicable Disease Benefit is INCLUDED

If you contract a covered communicable disease (as defined in your insurance certificate) and, as a result, are unable to earn more than 75% of your monthly income, you will receive residual disability benefits - without a waiting period - provided you are under age 65.

Continuous Benefits at No Cost to You

After you've been Totally Disabled for six months under this plan, your future premiums will be waived for as long as total disability benefits are payable.

Automatic Benefit Increase

This feature gives you the opportunity to increase your monthly benefit amount by 10% of the amount of coverage in force on the day before the date of your first increase option every three years up to a maximum of four times - and all without submitting medical evidence of insurability.  Benefits cannot be higher than the maximum benefit amount of $12,000.  This feature is available if you are under age 50 at the time of application and are not totally or residually disabled on the date the increase would take effect.  You will not be charged for this benefit until the increase goes into effect.  Should you decline an increase at any option date, all future increases will automatically be forfeited.

Guaranteed Renewable

As the only group accident and sickness disability income program sponsored by AANA, New York Life Insurance Company cannot cancel the Master Policy under which this valuable coverage is afforded.  Additionally, 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.

Benefit Payment Schedule

Your disability benefits will be paid directly to you following your waiting period.  Once you start receiving benefits, you will continue to receive your monthly benefits if your Total Disability prevents you from performing the substantial and material duties of your occupation, provided you remain Totally Disabled.  A Total Disability is one that wholly and continuously prevents you from performing your substantial and material duties as a Nurse Anesthetist (or your current occupation) for pay or profit.  Benefits are payable to age 65 if your Total Disability began prior to age 63.  Benefits are payable for up to 2 years if your Total Disability begins at age 63 but before age 70.

Apply Today!

As an eligible AANA member, you may apply for a monthly benefit of up to 70% of your monthly earnings from $1,000 up to $12,000 in $100 increments ($1000 to $5,000 in $100 increments if practicing as a CRNA, or your current occupation, for less than 1 year).  Monthly earnings are your average gross (pre-tax) income from salary, wages, fees, commissions, and any other amounts received for personal services, including the cost of your fringe benefits and share of total surplus; however, it does not include income from interest, dividends, rent, royalties, annuities, other insurance and other unearned income.  The total monthly disability income insurance amount placed with all companies may not be greater than $20,000.  If your disability benefits under this insurance, plus all other disability income benefits from government, government agencies, insurance companies, organizations or funds, are more than your maximum amount allowed (70% of your average monthly earnings when you experience a covered Total Disability), the benefits under this plan will be reduced.  Of course, any premiums you may have paid for the excess insurance will be refunded retroactively for up to two years.  At age 65, your monthly benefit, if greater than $1,000, will be reduced to $1,000.  (This reduction will NOT apply if you are receiving benefits.)

Convenient Coverage Effective Date

Your coverage will become effective on the first day of the month following the date your application is approved and your premium is paid.  If you're not working full-time on that day, your effective date will be postponed until the first day of the month following your return to full-time work for 90 consecutive days.  (Full-time work is defined as performing all the regular duties of your own occupation for pay or profit for at least 20 hours per week at a place where such duties are normally performed.)

Who is Eligible to Apply

As an active AANA member under age 60 (and a U.S. resident), working at least 20 hours a week practicing as a Nurse Anesthetist (or your current occupation), you may apply for coverage under this valuable AANA Plan.  A member's spouse may apply for coverage.  The spouse must be under age 60 (and a U.S. resident), actively employed, and not legally separated or divorced from the AANA member.

Enjoy a 30 Day Free Look

If you're not completely happy with the coverage (though we're sure you will be), you may return your insurance certificate (without a claim) within 30 days of the effective date and your premium will be refunded.

Coverage Continuation

Your coverage will continue as long as your premiums are paid, you continue in your practice as a Nurse Anesthetist (or other occupation) working full-time at least 20 hours a week (except for covered disabilities); you are under age 70, and you remain a member (or lawful spouse of a member) of AANA, you do not begin active duty in the Armed Forces, and AANA continues to sponsor this insurance plan.

Exclusions and Limitations

Disability benefits are not payable for the following: a loss sustained as a result of service in the military, naval or air force of any country, alliance or international organization or in a civilian unit which serves such force other than active duty for training periods of two months or less; (Any unearned premium for the period for which no coverage has been provided will be refunded on a pro-rata basis); a loss due to war, an act of war whether declared or not or an armed conflict which involves the armed forces of one or more countries; a loss due to self inflicted injury or that occurs while intentionally injuring oneself while sane or insane (in MO, while sane); a loss due to pregnancy*, childbirth or related medical conditions, except for a complication of pregnancy; a loss sustained as a result of travel in, on or a fall from or descent from any aircraft in flight unless traveling solely as a fare paying passenger on licensed, commercial, regularly scheduled, non-military aircraft; in a civil aircraft having a current and valid "Standard Federal Aviation Agency Airworthiness Certificate" and piloted by a person with a current and valid pilot's Certificate with proper ratings for the type of flight and aircraft involved; or in a transport type of aircraft operated by the Military Airlift Command (MAC) or its successor organization of the United States or similar air service of any country; a loss as the result of participation in or incarceration resulting from the commission of a felony, an illegal occupation or activity, an insurrection, terrorist activity or a riot in a role other than as a victim; a loss as the result of the use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents unless such use is prescribed by a doctor or accidentally administered or the illegal use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents; a loss as a result of a condition which has an impairment restriction; a loss for which a doctor's care or attention is not required or any period of disability for which you are not under the regular care and attendance of a doctor who is not a member of your own family.  A loss of license, in and of itself, does not constitute an incapacity that prevents an insured member from doing the material and substantial duties of his or her occupation and will not be deemed a Covered Total Disability.  NOTE: The maximum benefit period for all covered disabilities due to or related to Mental Disorders and/or Chemical Dependency cannot exceed 12 months while insured under the policy; however, this limitation will not apply if the insured person is confined in a hospital or other institution licensed to provide care and treatment for that disability.  The Maximum Benefit Period for all Covered Disabilities due or related to Self-Reported Symptoms may not exceed the lesser of 24 months or the Maximum Benefit Period of a Covered Disability.  See your Certificate for details. 
*Pregnancy is covered in CA, MN and MT.

Pre-Existing Conditions Limitations

Any condition (diagnosed or undiagnosed) for which you received medical treatment or took medication within the 12 months preceding the effective date of your insurance is a pre-existing condition.  Any period of disability due to a pre-existing condition that begins within the first two years of your insurance will not be covered.  This does not apply to disability periods beginning after you've been without medical care for the condition for 12 consecutive months ending on or after your effective date of coverage.

Successive Periods of Disability Limitations

Periods of disability due to the same or related medical causes and separated by less than 90 days during which you are Actively-at-Work will be considered one period of disability.

Concurrent Disabilities

Benefits during any period of disability as the result of more than one sickness; or more than one accident; or both sickness and accident; will be considered the same as if the disability resulted from only one cause.

This program is underwritten by New York Life Insurance Company, New York, NY 10010 on policy form GMR-FACE.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued.  In the event of a discrepancy between this website and the policy, the terms of the policy apply.  All benefits are subject to the terms and conditions of the policy.  Policies underwritten by New York Life Insurance Company detail benefits, exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued.  Complete details are in the Certificate of Insurance issued to each insured person and the Master Policy issued to the policyholder.  This program may vary and may not be available to residents of all states.  AANA incurs costs in connection with providing oversight and administrative support for this sponsored plan.  To provide and maintain this valuable membership benefit, AANA is reimbursed for these costs.

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