AICPA coverages are designed for CPAs by CPAs. They help fill gaps in your financial plan by supplementing existing coverage, with features you may be missing through your employer:

• Group negotiated rates that help make coverage more affordable
• Opportunity to receive Instant Online Approval¹
• Coverage you can keep even if you change jobs or retire, as long as you remain a member
• Annual Cash Refunds may help lower your cost of insurance²
• Easy claims process helps your loved ones when they need it most
• Up to $12,000 in monthly benefits for AICPA members³
• Benefits until your disability ends, if you're disabled before age 50; up to age 67, if you're disabled between ages 50 to 64; up to two years, if you're disabled at age 65 through 69⁴
• No offsets to your benefits based on other benefits you may receive
• Coverage up to age 70, if you are not on claim (many other LTD plans end coverage at age 65)

You're eligible to apply for coverage if you're:

• Under age 65
• A member of the AICPA or a State Society of CPAs or other qualifying organization
• Living in eligible states or territories
• Must be working at least 17.5 hours at time of enrollment

AICPA members can request a monthly benefit amount between $1,000 to $12,000. Members can request up to $5,000 without providing any proof of earnings. If you go out on claim and are working part-time, you will need to verify your earnings.

State Society-only members can request a monthly benefit amount between $1,000 to $3,000.

If you have any questions, give us a call at 800.223.7473. We are here to help 8:30am–6pm ET, Monday–Friday.

Other programs could cover your expenses, but not like our Plan.

Consider this:¹

• Social Security benefits might not be that easy to qualify for.
• Even if you do qualify, you'll have to wait six months before you can get benefits.
• You're only covered for disabilities that are expected to last 12 months.
• You may have to pay federal income tax on your benefits.²

¹Social Security Administration: How Does Someone Become Eligible, https://www.ssa.gov/benefits/disability/qualify.html

²About 40% of people who get Social Security must pay federal income taxes on their benefits. What You Need to Know When You Get Retirement or Survivors Benefits. https://www.ssa.gov/pubs/EN-05-10077.pdf (last accessed 5/14/2026).

For the Total Disability Income Option:

You must be unable to perform the material and substantial duties normally required in your own occupation and be under the regular care of a doctor. Material and substantial duties cannot be reasonably omitted or modified. You also can't work at any job for wage or profit during your waiting period. (This is also known as the “elimination” period, which is the length of time between when an injury or illness occurs and you may start receiving benefits.)

For the Total + Partial Disability Income Option:

You must be unable to perform the material and substantial duties normally required in your occupation, be under the regular care of a doctor, and have a 20% or more loss in your monthly earnings due to sickness or injury to be considered disabled during your waiting period. Material and substantial duties cannot be reasonably omitted or modified. If you are normally required to work more than 40 hours per week on average and you are currently working or have the capacity to work 40 hours per week, you may not qualify for benefits.

Plan details may vary.

If you are receiving benefits for a disability while covered under the Plan and recover, and then become disabled for the same or related condition within six months of returning back to work full-time, you would not need to satisfy another waiting period. However, if you return to work for more than six months or become disabled for another unrelated condition, you would need to satisfy another waiting period. Successive disabilities will be covered if:

• You were working full-time for less than six consecutive months
• It's caused by a worsening in your condition, and due to the same cause(s) as your prior disability

• You're no longer a member of the AICPA or any State Society of CPAs
• The master policy terminates
• You withdraw from the Plan voluntarily
• You don't pay for your coverage

You may request to move to a lower monthly benefit amount if your coverage is more than $1,000. If you've received benefits until your Maximum Period of Payment for your disability, you're no longer eligible to continue your coverage to age 70.

These definitions are important to understanding your coverage.

For the Total Disability Income Option:

"Monthly earnings" means the greater of (1) or (2) where:

(1) Equals 1/12 of the average of your salary and net earned income from self-employment and trade or business activities as reported to the Internal Revenue Service (IRS) for income tax purposes for the two calendar years before the calendar year the request is made.

(2) Equals 1/12 of your annual salary rate in effect on the date of the request; or if the preceding item (2) can't be determined, 1/12 of your actual earnings for the 12 calendar months immediately before the request; or if this can't be determined, your actual earnings for the calendar month before the request. Salary will be based on your earnings from your employer(s), to include bonus and commissions, but excludes overtime pay, for a normal work week not exceeding 40 hours. Monthly earnings will be satisfied at the time of application, at each renewal date, and at the time of claim.

For the Total + Partial Disability Income Option:

"Monthly earnings" means the average gross monthly income as reported on your federal income tax returns for the two calendar years immediately preceding your date of disability after deduction of normal business expenses and losses. "Monthly earnings" also includes salary, profits, fees, commissions, bonuses, and other compensation you received for professional and other services. "Monthly earnings" does not include investment returns, rent, royalties, and similar types of income not produced as a result of your occupation.