Group Comprehensive Accident Insurance Plan (CAP)

CAP is designed to provide Appraisal Institute members and their spouses/domestic partners (under age 60 and working at least 20 hours a week) with bundled accidental insurance protection, on or off the job. CAP provides three different accidental coverages under one policy: Accident Hospital Indemnity, Accident Disability Income, and Accidental Death.

Together, these coverages can help protect you from the potential financial hardships an accident may cause. This policy pays a cash benefit directly to you for injuries sustained from a covered accident.

Note: This does not provide coverage for sickness.

Coverage Highlights

• Accident Hospital Indemnity Coverage: $100 per day for hospitalization up to 500 days
• Accident Disability Income Coverage: $1,000 per month up to 6 months
• Accidental Death Coverage: $100,000 for a covered accidental death if death occurs within 365 days of the original accident
• Acceptance is guaranteed for eligible members and spouses/domestic partners: there's no medical exam or health questions!

Rate as of 2025

Just $22.00 per month for member coverage or $44.00 for member and spouse.

Coverage remains in effect as long as the group policy is in effect, you pay premiums when due and remain otherwise eligible.

Rates may be changed by New York Life Insurance Company on any premium due date and any date on which benefits are changed. However, your rates may change only if they are changed for an entire class of insureds. A class is a group of people with the same age.

This material is not intended for use with residents of New Mexico.

This is only a brief summary of benefits and is subject to the terms, conditions, exclusions, and limitations of group policy number G-30490-0. Underwritten by: New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on policy form GMR-FACE/G-30490-0 Under Group Policy Number G-30490-0

New York Life Insurance Company is licensed/authorized to transact business in all of the United States, the District of Columbia, Puerto Rico and Canada. However, not all group policies it underwrites are available in all jurisdictions. Please check the benefit details sections for current availability.

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