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Long Term Disability (LTD) Insurance

You could receive instant approval for AICPA-endorsed Long Term Disability coverage that can help protect your paycheck and your financial future. In certain circumstances, additional information and/or a medical exam may be needed.

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What is LTD?

LTD Insurance, issued by The Prudential Insurance Company of America (Prudential), helps protect your paycheck by providing assistance with expenses like medical bills, child care, and other expenses following an injury or illness that prevents you from working.

This member-exclusive insurance solution can help bridge the gap between coverages. While some businesses cover employees for sick time or short-term disability, and some provide basic long-term disability coverage, most American workers aren’t prepared for a long-term or permanent disability.*

Professional male CPA working from his home office Professional male CPA working from his home office

Why do CPAs need it?

Employer plans typically cover only a portion of your salary and may stop if you change jobs. AICPA-endorsed LTD can help close the income gap and offers coverage you can keep up to age 70—as long as you maintain your membership. Coverage will terminate when you reach age 70, unless you're already receiving claim benefits. And if you don’t already have disability insurance through your job, it’s even more important to apply for coverage.

With the AICPA Plan, if you can't perform the duties of your own occupation, you can receive benefits without being forced into another line of work. This is a significant advantage over plans that define disability solely as "any occupation," which pay benefits only if you're unable to work any job you're reasonably suited for, based on training, education, or experience.

AICPA LTD coverage is a flexible, affordable way to help protect your income from the financial impact of a disability. There are no offsets to LTD benefits you may receive, and no agent commissions.

of members surveyed recommend the AICPA CPA Life Plan

51% of Americans say they’d rely on personal savings if they were unable to work due to injury or illness.**

LTD Features

Coverage you can keep
Coverage you can keep

Keep your coverage—even if you change jobs or retire— as long as you're a member of the AICPA, a State Society of CPAs, or other qualifying organization.

Affordable rates
Affordable rates

Group-negotiated, member-exclusive rates starting at $3.80/mo. Example rate provided is for an 18 - 29 year-old with a 26-week waiting period for the Total Disability Option.

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Easy application, opportunity for instant approval
Easy application

Get a quote and apply in minutes with our easy online application, and you could receive instant approval for up to $5,000 in monthly benefits without proof of earnings. In certain circumstances, additional information and/or a medical exam may be needed. If you go out on claim and are working part-time, then you will need to verify your earnings.

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Rates that stay the same Rates that stay the same
Own occupation coverage
Own occupation coverage

Eligible to receive benefits if you're unable to work your own job—not just any job. This means you won't be forced into another occupation.

Coverage Options & Benefits

Flexible options
Flexible options

Help flex your plan to fit your budget with your choice of a 13-week or 26-week waiting period and monthly coverage amounts up to $12,000 you can change at any time. State Society members are eligible for up to $3,000/mo.

Tax-free benefits
Tax-free benefits

The monthly benefit is generally free from income tax if premiums are paid to you with after-tax dollars. Under current Federal Income Tax laws, the monthly benefit is generally free from income tax (IRC Section 104) if the premiums are paid by you with after-tax dollars. Income from some employer-provided plans is fully taxable.

Extended solutions
Extended solutions

Coverage includes up to five years of mental health benefits and certain rehabilitation programs.

Opportunity for Annual Cash Refunds
Opportunity for Annual Cash Refunds

Annual Cash Refunds may help lower your cost of insurance. The AICPA Insurance Trust (Trust) reviews a number of factors in determining the amount, if any, of Annual Cash Refunds, such as premiums, claims, expenses, and other charges. These refunds vary year to year and are not guaranteed. The Trust has paid Annual Cash Refunds every year since 1984 for each Disability Insurance Plan. However, the Trust may suspend the distribution of Annual Cash Refunds at any time. These refunds could vary based on a number of factors, such as your rate class, payment mode, engagement in certain wellness programs, and the premium you pay. Please note, when premiums are lowered, refunds may decrease as well.

What it costs

With AICPA-endorsed LTD you can enjoy competitive group-negotiated rates that fit your budget. The waiting period and Plan option you elect, along with your age, will determine your rate.

A 13-week waiting period lets benefits begin sooner, while a 26‑week period carries lower rates. In either case, benefits begin when your waiting period ends, pending your coverage approval.

If you elect a coverage amount over $5,000, your Total Monthly Disability Benefit cannot exceed 65% of your monthly earnings less other Monthly Disability Income Benefits. AICPA members are eligible for up to $12,000 in monthly benefits; up to $5,000 in monthly benefits without proof of earnings. If you go out on claim and are working part-time, then you will need to verify your earnings.

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Young male professional CPA at home with child. Young male professional CPA at home with child.

Who is eligible for LTD?

You’re eligible to apply if you’re under age 65 and a member of the AICPA, a State Society of CPAs, or other qualifying organization. You must live in eligible U.S. states or territories.

You can keep your coverage as long as you maintain your membership in the AICPA, a State Society of CPAs, or other qualifying organization.

Family at home with children. Family at home with children.

About the Underwriter

The Prudential Insurance Company of America (Prudential) has been an insurance coverage provider to the AICPA and its members since 1947. Prudential is more than an insurance provider to the AICPA and its members.  We partner with the AICPA to understand its members’ needs and endeavor to ensure that its members and their families achieve financial wellness.  AICPA members’ needs are at the heart of everything we do. When the AICPA decided to partner with Prudential, they joined forces with a company that has helped customers weather wars, the Depression, pandemics, and many other challenging events for more than 150 years. Prudential is here to help you solve today’s challenges and support you in whatever lies ahead. 
About the Underwriter About the Underwriter
Frequently Asked Questions
It’s often difficult to qualify for Social Security Disability coverage. Even if you do, you’ll have to wait six months before you can receive benefits. You must also prove to the Social Security Administration (SSA) that your disability prevents you from working in any profession, not just as a CPA. Plus, the SSA only covers disabilities that are expected to last 12 months or longer, or end in death. And such benefits may be subject to federal income tax. 

With the Total Disability Income Plan Option, you must be unable to perform all material and substantial duties normally required in your occupation. You must also be under the regular care of a doctor and not working at any job for wage or profit.

With the Total + Partial Disability Income Plan Option, you must be unable to perform the material and substantial duties of your occupation, have a 20% or more loss in your monthly earnings, and be under the regular care of a doctor. That means you can satisfy the waiting period while working reduced hours. 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.

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, and
(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.
Yes, as long as you meet the definition of disability.
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. 
Coverage terminates at age 70, unless you’re already receiving claim benefits. Other reasons why your coverage could end:
  • 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 will receive benefits until your disability ends if you’re totally disabled before age 50; up to age 67 if you’re totally disabled at age 50-64; up to two years if you’re totally disabled at age 65-69. The information within this material reflects the maximum duration of disability for insureds who become disabled on or after January 1, 2015.

 

 

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Disclaimer

 
* https://thecdia.org/the-risk-is-very-real/

** https://www.limra.com/en/newsroom/industry-trends/2025/disability-insurance-awareness-month-is-your-income-protected/

Please see the Exclusions and Provisions.

Please see the Group Life and Disability Income Medical Underwriting NOTICE.

IMPORTANT NOTICE—Please visit www.cpai.com/mib

This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.
 
Not for use in New Mexico.


 
Not for residents of New Mexico.


 
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 Department of Financial Services.

 
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

 
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.
 
Aon Insurance Services is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695) (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators, and Berkely Insurance Agency; and in NY, AIS Affinity Insurance Agency. The Plan Agent of the AICPA Insurance Trust, Aon Insurance Services, is not affiliated with Prudential.
 
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
 
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