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Disability Insurance

The Trustees of the NYSUT Member Benefits Trust review all Member Benefits Trust-endorsed programs on a regular basis to ensure that each program best meets the needs of the NYSUT membership and their families. As a result of this regular review process, the Member Benefits Trust Trustees recently voted to name the MetLife organization as the new Plan Underwriter for our endorsed Voluntary Disability, Term Life and Level Term Life Insurance programs.

MetLife has partnered with NYSUT Member Benefits dating back to 1992 when it was named the program provider of our endorsed Auto & Homeowners Insurance program. Since that time, MetLife has demonstrated its tireless dedication to NYSUT members by providing plan participants with superior customer service and a continued willingness to meet our needs.

We are looking forward to working with MetLife to continue to enhance our endorsed Voluntary Disability, Term Life and Level Term Life Insurance programs.



EFFECTIVE DATES OF ENDORSED PROGRAM PROVIDER CHANGES
****Effective January 1, 2018, the NYSUT Member Benefits Trust-endorsed Voluntary Disability Insurance Plan (currently underwritten by Unimerica) will be underwritten by MetLife. 



CURRENT & FUTURE PROGRAM PARTICIPANTS
Current program participants will receive an official announcement from NYSUT Member Benefits 60 days prior to the effective date of the change. A follow-up mailing will occur on or near the effective date of the change that will include new plan materials provided by MetLife. Members currently covered by U.S. Life and Unimerica will be transitioned to coverage provided by MetLife as of the effective date of change.

Please note that there will be very few changes to the current benefit packages, premiums or premium collection procedures. However, participants will be made aware of new claim filing procedures. It is also important to note that Mercer Consumer will remain the Plan Administrator for these programs.



MEMBERS LOOKING FOR COVERAGE
Unimerica will continue to accept applications for the current Voluntary Disability Insurance Plan through August 31, 2017. New enrollees will be transferred to the new program provider with current participants on January 1, 2018.

Applications for the new MetLife Disability Insurance Plan will be available in fall 2017 with coverage effective dates on or after January 1, 2018; please visit this website for more details in the coming months.



The NYSUT Member Benefits Trust-endorsed Disability Insurance Plan provides valuable income replacement benefits to help meet your living expenses if you become partially or totally disabled and are unable to work.

Your monthly expenses don't stop if you are unable to work due to a serious illness or injury. Disability insurance can be customized to fit within your budget and still provide peace of mind until you are able to get back on your feet and return to work.



2 Easy Ways to Learn More:

1. Call
Unimerica Life Insurance Company of New York at 800-515-2471

2. Visit
http://www.nysutmbteinsurance.com/InsurancePlans/DisabilityInsurance.aspx



Helpful Videos

To help you better understand disability insurance and how it can benefit you, click on the video below:

Unimerica Life Insurance Company of New York video (7:03 minutes) -- A helpful, educational disability insurance video designed to help NYSUT members better understand this product.

The NYSUT Member Benefits Trust-endorsed Disability Insurance Plan is underwritten by Unimerica Life Insurance Company of New York and is administered by Mercer Consumer, a service of Mercer Health & Benefits Administration LLC.

The Unimerica Life Insurance Company of New York's Disability Plan is a NYSUT Member Benefits Trust (Member Benefits)-endorsed program. Member Benefits has an endorsement arrangement of 5% of gross premiums for this program. All such payments to Member Benefits are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of Member Benefits participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not the same as those obtainable through Member Benefits. The Insurer or Member Benefits may hold premium reserves that may be used to offset rate increases and/or fund such other expenses related to the plan as determined appropriate by Member Benefits. Member Benefits acts as your advocate; please contact Member Benefits at 800-626-8101 if you experience a problem with any endorsed program.

Agency fee payers to NYSUT are eligible to participate in NYSUT Member Benefits-endorsed programs.