If you’re unable to work due to an accident or serious illness, who can pay your bills? Plan ahead with Disability Income Insurance.
To apply, click the Enroll Now button. If you prefer to enroll on paper, click here.
AFT leveraged the professional status of more than 800,000 members to negotiate the affordable group rates for the AFT+ Disability Income Insurance Plan.
How to Calculate Your PREMIUM:
(Cost from your age bracket) x (# of Units) = Monthly Premium
Example: Age 37, 60-day Elimination Period
Amount of coverage desired: $2,000 per month
$1.03 x 20 (units) = $20.60 per month
How to Calculate Your PAYMENT OPTIONS:
Example: Quarterly payments: (monthly premium) x 3 = Quarterly payment
$20.60 x 3 = $61.80
Semi-annual payments: (monthly premium) x 6 = Semi-annual payment $20.60 x 6 = $123.60
Annual payments: (monthly premium) x 12 = Annual payment $20.60 x 12 = $247.20
Call 1-888-423-8700 for more information.
Exclusions and Limitations include: war, whether declared or undeclared, or act of war, insurrection, rebellion or terrorist act; your active participation in a riot; intentionally self-inflicted injury; attempted suicide; or commission of or attempt to commit a felony.
Policy form GPNP08-TRUST
L1120009122[exp1122][All States][DC,GU,MP,PR,VI] © 2021 MSS
Long Term Disability (“LTD”) and Short Term Disability (“STD”) coverages are provided under a group insurance policy issued by MetLife. This LTD and STD coverage terminates when your membership or employment through membership ceases, when you cease to be an eligible member or employee, when your LTD and STD contributions cease (if applicable), or upon termination of the group contract by your association or employer. Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan administrator for complete costs and details.
These policies provide disability income insurance only. For policies issued in New York, they do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.
The Plan Overview provides only a brief overview of the plan. A more complete description of the benefits provisions, conditions, limitations, and exclusions will be included in the Certificate of Insurance, Summary Plan Description and/or other plan documents. If any discrepancies exist between this information and the legal plan documents, the legal plan documents will govern.
Metropolitan Life Insurance Company | 200 Park Avenue | New York, New York 10166
L0325046864[exp0327][All States][DC,GU,MP,PR,VI] © 2025 MSS
30-Day Free Look
Many AFT Members have some life insurance, but is it enough? Protect your family with the right amount of coverage with AFT+ Benefits Term Life Insurance.
30-Day Free Policy Review:
Upon approval of your benefit request, you will receive your Certificate of Insurance detailing the terms and conditions of your policy. If you review your policy within 30 days, and prior to submitting a claim, and decide the policy doesn’t meet your expectations, you can mail back the Certificate to cancel your insurance.
ACT IMMEDIATELY FOR PROMPT COVERAGE
With AFT+'s Disability Income Insurance, you can apply for up to $5,000 in monthly benefits to help replace your income if an injury or illness leaves you unable to work as a teaching professional.
Terms
Long Term Disability (“LTD”) and Short Term Disability (“STD”) coverages are provided under a group insurance policy issued by MetLife. This LTD and STD coverage terminates when your membership or employment through membership ceases, when you cease to be an eligible member or employee, when your LTD and STD contributions cease (if applicable), or upon termination of the group contract by your association or employer. Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan administrator for complete costs and details.
These policies provide disability income insurance only. For policies issued in New York, they do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.
The Plan Overview provides only a brief overview of the plan. A more complete description of the benefits provisions, conditions, limitations, and exclusions will be included in the Certificate of Insurance, Summary Plan Description and/or other plan documents. If any discrepancies exist between this information and the legal plan documents, the legal plan documents will govern.
Metropolitan Life Insurance Company | 200 Park Avenue | New York, New York 10166
L0325046864[exp0327][All States][DC,GU,MP,PR,VI] © 2025 MSS
Overview
An accident can occur within a split-second and could profoundly affect your career.
If you’re unable to work due to an accident or serious illness, who can pay your bills? Plan ahead with Disability Income Insurance.
Monthly Benefits up to $5,000 Available
One of the top concerns for many working AFT members is finding a disability plan that can deliver benefits high enough to adequately cover their income. That's why AFT made sure this Disability Income Insurance featured generous coverage with up to $5,000.00 in monthly benefits.
Benefits Paid If You Can't Work
Another concern is setting up benefits tailored to the level of training and expertise you've achieved. You can rest assured this plan can protect you if you can't work in your occupation1. (Some plans may only pay if you can't work in any occupation. It's an important distinction to keep in mind.)
1Own Occupation is limited to elimination period and 24 months. Definition of disabled changes to Any Occupation after 24 months.
Long Term Disability (“LTD”) and Short Term Disability (“STD”) coverages are provided under a group insurance policy issued by MetLife. This LTD and STD coverage terminates when your membership or employment through membership ceases, when you cease to be an eligible member or employee, when your LTD and STD contributions cease (if applicable), or upon termination of the group contract by your association or employer. Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan administrator for complete costs and details.
These policies provide disability income insurance only. For policies issued in New York, they do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.
The Plan Overview provides only a brief overview of the plan. A more complete description of the benefits provisions, conditions, limitations, and exclusions will be included in the Certificate of Insurance, Summary Plan Description and/or other plan documents. If any discrepancies exist between this information and the legal plan documents, the legal plan documents will govern.
Metropolitan Life Insurance Company | 200 Park Avenue | New York, New York 10166
L0325046864[exp0327][All States][DC,GU,MP,PR,VI] © 2025 MSS
Benefits
If you are an AFT member, in good standing, in accordance with its bylaws and constitutions, actively-at-work at least 20 hours a week, you are eligible to apply for a monthly benefit amount up to $5,000 (in $100 increments), provided the benefit you select does not exceed 60% of your gross monthly earnings.
Depending on your needs, you can select from either a 60-day or 90-day waiting period.
Monthly benefits are payable to the earlier of 5 years or your normal retirement age.
AFT Members
Other Benefits Included:
Pre-existing* conditions are covered after 12 months.
Pregnancy is covered as any other disability.
As with other disability income plans, benefits are not taxable if premiums are paid with after-tax dollars.
*Pre-existing condition means a sickness or accidental injury for which you received medical treatment, consultation, care or services, took prescription medication or had medications prescribed, or had symptoms that would cause a reasonable prudent person to seek diagnosis, care or treatment in the 12 months before your insurance takes effect. We will not pay for a disability that results from a pre-existing condition, if you have been actively at work for less than 12 consecutive months after the date your disability insurance takes effect. See certificate for details.
Long Term Disability (“LTD”) and Short Term Disability (“STD”) coverages are provided under a group insurance policy issued by MetLife. This LTD and STD coverage terminates when your membership or employment through membership ceases, when you cease to be an eligible member or employee, when your LTD and STD contributions cease (if applicable), or upon termination of the group contract by your association or employer. Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan administrator for complete costs and details.
These policies provide disability income insurance only. For policies issued in New York, they do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.
The Plan Overview provides only a brief overview of the plan. A more complete description of the benefits provisions, conditions, limitations, and exclusions will be included in the Certificate of Insurance, Summary Plan Description and/or other plan documents. If any discrepancies exist between this information and the legal plan documents, the legal plan documents will govern.
Metropolitan Life Insurance Company | 200 Park Avenue | New York, New York 10166
L0325046864[exp0327][All States][DC,GU,MP,PR,VI] © 2025 MSS