New nyscopba Members

Welcome! Enroll in NYSCOPBA’s Approved and Sponsored Insurance programs.  These programs are offered through the convenience of payroll deduction and allow you to enroll without having to disclose any medical history. 

Term Life Insurance

Term Life insurance provides the most insurance coverage at the lowest cost. Especially for younger Members that are just starting out. Term insurance will help cover or supplement expenses left behind such as medical expenses, funeral and burial costs, housing and living expenses, education and spouse or partner’s retirement. Accidental Death and Dismemberment insurance known as AD&D, pays a specified amount if a covered accident results in your death. It may also pay benefits for a severe physical loss, such as a hand, a foot or your eyesight. These AD&D benefits can help you and your family pay for things like special care and modified living arrangements.

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Permanent Life Insurance

If you need lifetime coverage, permanent insurance will continue for life as long as premiums are paid.

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Disability Insurance

Replaces a portion of your pay when you miss work because of a covered disability on or off the job. Partial benefit payments can continue after you return to work and if your disability returns within a period of time, benefits can resume with no waiting period.

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Specified Disease

Specified Disease Insurance helps cover out-of-pocket expenses associated with a serious covered illness. You may have medical insurance, but that doesn't mean you're covered for all of the expenses resulting from a serious illness that you probably haven't budgeted for — things like co-pays, deductibles, loss of income, child care and travel expenses. Group Specified Disease insurance helps fill the gap caused by these out-of-pocket costs, creating a financial safety net for you and your family.

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