AICPA Group Insurance Annual Cash Refund

The AICPA-endorsed Group Insurance Program provides Life and Long Term Disability solutions, issued by The Prudential Insurance Company of America (Prudential), for your Firm. All Group Plans offer competitive pricing and the opportunity for Annual Cash Refunds.

The money not used for claims, expenses and other charges is distributed back to the Firm as an Annual Cash Refund. The Annual Cash Refunds vary year to year, and while not guaranteed, Firms under AICPA Group Insurance Trust have received Annual Cash Refunds from the Trust, for over 50 years without fail. 

Annual Cash Refund distribution percentages are based on the Group Insurance Plan your Firm is enrolled in, whether the Firm has elected dependents coverage, and any Annual Cash Refund enhancement the Firm is eligible for. Firms typically receive Annual Cash Refunds annually based on the group’s experience during the previous policy year. ​

Group Insurance Annual Cash Refund News for 2021

  • The Annual Cash Refund was distributed on February 23
  • This is the 74th straight year the Trust has distributed an Annual Cash Refund
  • This year’s Annual Cash Refund is $105 million to over 160,000 members
  • Over 92,000 members will have immediate access to their Annual Cash Refund through electronic deposit
  • Click to view the Committee Report with Annual Cash Refund percentages and Trust Refund FAQs​
  • Conveniently access your Annual Cash Refund Statement/Schedule K-1 online 


Annual Cash Refund Options May Add More Money to Your Annual Cash Refund

For Firms submitting monthly reports via the self-service portal, the Annual Cash Refund is increased by $100.00.

ACH Option Results in Faster Annual Cash Refund Delivery 

If you haven’t done so already, sign up for ACH and have future Annual Cash Refunds deposited to your savings or checking account the day they become available. To thank planholders for registering for electronic deposits, a one-time $25 increase will be added to your Annual Cash Refund in the year in which you successfully enroll. Sign up using these three easy steps:

  1. Go to myfirm.cpai.com
  2. Choose “Annual Refunds;” select “View/Update Preferences.”
  3. Choose “Electronic Bank Deposit/ACH;” fill in your banking information


View the committee report with refund percentages

View Frequently Asked Questions


PLEASE NOTE– The participant receiving their Annual Cash Refund by check acknowledges and agrees that in order to obtain the Annual Cash Refund, if any, all Annual Cash Refund checks must be presented for payment according to the terms and procedures set forth in this paragraph. Without limiting the foregoing, Annual Cash Refund checks shall be deemed null and void if not duly presented for payment by, or on behalf of, the participant or former participant by the expiration date (not to be less than 180 days from the date of issuance) set forth on the face of the check. If a participant fails to timely present for payment a Annual Cash Refund check according to this provision and has not, prior to the expiration of the initial Annual Cash Refund check, requested re-issuance of such check, the full amount of the Annual Cash Refund shall be applied toward any of the participant’s contribution payments due; if no contribution payments are due or owing by the participant at the time the Annual Cash Refund check expires, the Annual Cash Refund amount shall be applied toward future contributions as they become due, until the participant receives the full Annual Cash Refund amount. Except as otherwise provided in this agreement, upon termination of coverage under the applicable trust, nothing herein shall limit a participant’s right to receive a full refund of any unearned contributions or unapplied portion of expired Annual Cash Refunds. For Participants receiving their Annual Cash Refund by ACH, if we are unsuccessful in transmitting the Annual Cash Refund to the bank account we have on file, we will issue the Annual Cash Refund by check, which will follow the same rules noted above. 

This site may contain marketing language on products issued by The Prudential Insurance Company of America (Prudential) that has not yet been approved in all states. 

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 Department of Financial Services.

Group Insurance coverages are issued by The Prudential Insurance Company of America (Prudential), a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series: 83500. CA COA# 1179, NAIC 68241. 

Aon Insurance Services is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc., a licensed producer in all states (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.

1030668-00002-00                                                                                           Ed 2/21​