AICPA disability insurance review

Backed by Prudential, this policy is designed for CPAs who want to protect their paycheck.

  • AICPA disability insurance if… you’re an AICPA member and looking for long-term disability insurance.
  • Look elsewhere if…you need short-term disability, or want a customizable policy.
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Short term disability


Long term disability


Benefit period 2 or 5 years, or up to age 67, 70 or retirement age, or lifetime
Waiting period 13 or 26 weeks
Coverage amount 65% of your income, up to $12,000 a month
Individual credit Not offered
Available states All 50 states
Policy riders No info available
Simplified issue Not offered


  • Total and partial disability options.
  • Own occupation” definition of disability.
  • High limit without proof of earnings.
  • Cash refunds available.
  • Portable policy.
  • Financial strength.


  • No short-term policy.
  • Lack of choice with waiting periods.
  • Low maximum limit.

Review by

Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

AICPA’s disability insurance policy is open to CPAs across the country and offers partial benefits and cash refunds. While it has a healthy coverage range, it doesn’t have much wriggle room when it comes to waiting periods and riders.

If you want a more customizable policy, compare disability insurance companies.

Built-in benefits

Policy details can vary. Your coverage might include:

  • Non-cancelable and guaranteed-renewable. As long as you pay your premiums on time, the insurer can’t change your coverage or rates.
  • Residual disability benefit. This pays a partial benefit if you’re still able to work on a limited or part-time basis after a disability.
  • Waiver of premium. If you’re receiving disability benefits, you won’t have to pay your premiums to keep your policy active.

Available riders

Since AICPA’s coverage is issued as a group policy, only your employer can choose which riders to include. However, the insurer offers perks — such as a complimentary rehabilitation program.

When you’ve recovered from a disability, the program helps you to return to work with job placement services, resume preparation and training.

Pros and cons of AICPA disability insurance


  • Total and partial disability options. You can opt to receive benefits if you’re partially disabled and experience a 20% loss in income.
  • Own occupation” definition of disability. The policy pays benefits if you’re unable to perform your usual line of work — which is an unusual feature for long-term plans.
  • High limit without proof of earnings. If you work full time, you can get up to $5,000 in coverage without providing proof of earnings.
  • Cash refunds available.The AICPA distributes any money not used for claims and expenses back to policyholders. While cash refunds aren’t guaranteed, the organization has offered them for the past 35 years.
  • Portable policy.You can keep your coverage if you change jobs or retire, as long as you maintain your membership with the AICPA or State Society of CPAs.
  • Financial strength. The policy is issued by Prudential, which has an A+ rating with AM Best.


  • No short-term policy. AICPA only offers long-term disability insurance.
  • Lack of choice with waiting periods. There are only two elimination periods to choose from: 13 weeks and 26 weeks.
  • Low maximum limit. The most you can receive is 65% of your monthly earnings. If you want to replace a higher percentage of your paycheck, you’ll need to look to other insurers.

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AICPA disability insurance reviews and complaints

The AICPA isn’t accredited by the Better Business Bureau (BBB), but it’s earned an A+ rating for its customer interaction. The BBB has recorded 2 complaints in recent years, pointing to a high level of customer satisfaction, as of October 2020.

Claims will be handled by the policy’s issuer, Prudential. The insurer has a D rating with the BBB while it responds to complaints. But it has a complaint ratio of 0.53 with the National Association of Insurance Commissioners (NAIC), which is well below the national average of 1.

How do I apply for AICPA disability insurance?

If you’re a member of the AICPA, you can apply for a disability insurance policy online:

  1. On the homepage, hover over Personal Insurance Solutions and click Long-Term Disability.
  2. Press Apply Now.
  3. Type in your member information and the amount of coverage you need.
  4. Answer questions about your health, and choose your elimination period.
  5. Enter your doctor’s information, as well as any medical conditions you’ve been diagnosed with and prescription drugs you take.
  6. Continue following the prompts to review and submit your application.

Frequently asked questions

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