Short Term Disability Insurance Rates

For members of the National Association of REALTORS®

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Current 2024 Monthly Group Short Term Disability Rates
Coverage amount available: $1,000 – $5,000 monthly benefit

The initial cost of insurance is based on your attained age when insurance becomes effective, the amount of insurance selected, your gender*, tobacco use, and health status. The cost increases as you grow older. Only nonsmokers meeting the highest underwriting standards will qualify for “Preferred” rates. Other nonsmokers may qualify for the “Select” rates. (Note: Smokers may only qualify for “Smoker” rates.) If approved, you will be notified of your rate classification.

To calculate the cost for amounts over $1,000, find the correct column and multiply the amount shown by the number of $1,000 multiples desired.

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More Information About Short Term Disability

More Insurance Options for REALTORS®

Current Monthly premium per $1,000 of coverage

60-Day Waiting Period  





















The premium contributions shown reflect the current rate and benefit structure. Premium contributions may be changed by New York Life Insurance Company on any premium due date (but not more than once in any 12-month period) and any date on which benefits are changed. However, your rates may change only if they are changed for all others in the same class of insurance under this group policy. For example, a class of insureds is a group of people all with the same issue age, and tobacco/nicotine use. Benefit option amounts are not guaranteed and are subject to change by agreement between New York Life Insurance Company and the National Association of REALTORS®.

NAR-sponsored Short Term Disability Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010, under Group Policy No. G-31004-0/ 31005-0 on Policy Form GMR-FACE.

New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. Not all group plans it underwrites are available in all jurisdictions. New York Life’s state of domicile is New York, and NAIC ID3 is 66915.

This coverage is available only for residents of the U.S.. May not be available in all states. Consult with an Insurance Place Benefits Specialist for details.