This program is custom designed for NYSCOPBA Members and is a cost effective insurance program where Members have the opportunity to choose a level of protection for themselves and their families conveniently paid for through payroll deduction.
If someone depends on you for financial support, chances are you need life insurance. If you were gone tomorrow, how much money would your family need to replace your income? Term life insurance is a good choice because you can get the most coverage for every penny spent. The addition of an optional Accidental Death and Dismemberment (AD&D) insurance rider provides an even higher level of protection whereby the face value of the insurance policy is doubled in the event of an accidental death. The AD&D rider is very popular for younger employees with young families as a cost effective strategy to provide maximum benefits at the fraction of the term life insurance cost.
Optional Disability Insurance protects against the risk of a loss of income due to a covered disability. The plan provides benefit payments if you become unable to work due to an injury or illness that occurs on or off the job (24/7 protection).
NYSCOPBA Members may enroll in the Optional Life and Disability Program during training at the Academy with NO MEDICAL QUESTIONS ASKED. NYSCOPBA Member’s who are actively at work and working at least 20 hours per week may apply outside the Open Enrollment period by completing an application and a Medical History Statement and submitting to the insurance carrier for consideration.
Applications for the Optional Term Life and Disability Insurance Program may be printed from this website or may be requested by e-mailing Norvest Financial Services through the “contact us” button on the Norvest home page. Applications may also be requested by calling a customer service representative toll-free at 1-888-869-8252
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