AFSPA members who are active, full-time U.S. citizens on assignment or expatriates are eligible to apply as long as they are under age 69 and work at least 30 hours per week.
The Plan covers a wide range of disabling conditions, including:
Monthly benefit amounts range from $50 to $7,500. Your monthly coverage amount, plus any other disability income coverage you may have, cannot exceed 60% of your monthly earned income.
AFSPA offers competitive group rates that help make this coverage more affordable than what you might find independently. Rates are calculated based on your monthly benefit amount, age, and your Plan option (2-year or 5-year).
Use the rate calculator on this website to find your exact rates.
Both options can help replace up to 60% of your monthly earnings with a benefit between $50 – $7,500 per month. Both also provide tax-free benefits: Since you pay premiums with after-tax dollars, your benefits aren’t subject to federal income tax. However, the two options differ in benefit duration and disability definitions. The 5-year option has a slightly higher cost per $100 in coverage due to the extended duration.
2-year option | 5-year option | |
Duration | Benefits for up to 2 years from the date your claim starts, or until age 70 (whichever comes first); members age 69+ can receive up to 12 months of benefits. | Benefits for up to 5 years from the date your claim starts, or until age 70 (whichever comes first); members age 69+ can receive up to 12 months of benefits. |
Disability definition | You’re considered disabled if you’re unable to perform the material and substantial duties of your regular occupation, have a 20% or more loss in monthly. earnings, and are under the care of a doctor | First 24 months: Same as the 2-year option (unable to perform duties of your regular occupation) After 24 months: Extends to include being unable to perform duties of any gainful occupation for which you’re reasonably fitted by education, training, or experience, while under a doctor’s care |
If you need to make changes to your LTD coverage—whether it’s updating your salary information, adjusting your coverage amount, or switching between the 2-year and 5-year plan options—please contact AFSPA Member Services directly.
Contact AIP:
What you’ll need to provide:
Changes to your coverage may require updated premium calculations, so our team will work with you to process your request and provide any necessary paperwork.
Your LTD benefits begin after you satisfy a 90-day elimination period. This is a waiting period between when your disability starts and when benefit payments begin. For example, if you become disabled on January 1 and remain disabled, your first benefit payment would begin on April 1 (after the 90-day wait).
Here’s the timeline:
Day 1: Your disability begins
Days 1-90: Elimination period (you must remain continuously disabled)
Day 91: Your monthly benefit payments start if you’re still disabled and meet all plan requirements
We understand that recovery isn’t always black and white—sometimes you may be able to return to work in a limited capacity before you’re fully recovered. This Plan recognizes that successful recovery often involves a gradual transition and is designed to support your transition back to work.
For the first 24 months of your return to work, your LTD benefit continues and is not reduced by any disability earnings you receive, provided the combined total doesn’t exceed 100% of your pre-disability earnings.
Your AFSPA LTD coverage is designed to supplement other insurance you may have, filling potential gaps in your financial protection. To prevent duplication of benefits and ensure fairness, your benefit is calculated to ensure your total disability income (from all sources combined) doesn’t exceed your pre-disability earnings. If you receive income from other sources, such as the below, your LTD benefit may be offset:
Even with offsets, you maintain valuable coverage that coordinates with your other benefits. The combination of benefits helps ensure you have steady income during disability without creating financial windfalls. When you file a claim, our claims team will work with you to calculate your exact benefit amount based on all income sources.
North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
Group Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. In Washington, the controlling document is the Certificate, not the Contract. Contract Series: 83500 1090300-00001-00