Learn more about our response to COVID-19.


Though times are uncertain, the Council 66 Member Insurance Program remains committed to helping protect you and your loved ones.

Together, we are facing a truly unprecedented situation, but we have taken steps to help ensure we continue to provide the high level of service you count on.

We're Here to Help


We are available 800.697.2732, Monday–Friday, 8 a.m. to 5 p.m. EST to answer questions about your insurance coverage. Please use our automated call back feature in the event you encounter wait times.


You may also email us at customercare@pearlinsurance.com with questions.

Online Bill Pay Portal

Access our 24/7 portal to pay your bill online. You may also wish to verify your beneficiaries are up to date. Other helpful forms are available at council66insurance.com.

Experiencing financial hardship due to COVID-19?

In response to the COVID-19 pandemic, our life insurance partners have temporarily extended premium payment periods. We want impacted members to remain insured even if they are currently having difficulty affording payments.

If you've been financially impacted by COVID-19 and are having trouble paying your premiums, please contact us for help. While we can't waive the premiums due, we will work with you on creating a payment schedule to help you catch up over time.

We Can Answer Your Questions

We understand you may have many questions concerning your group life and health-related coverages. We have answered the most common questions below. If you have other questions or concerns, please do not hesitate to contact us via phone or email.

May I still apply for group comprehensive accident or group disability coverage?

Yes, please contact an account representative at 800.697.2732 or visit our group comprehensive accident or group disability insurance page for information on current coverage availability and how to apply.

May I increase my existing group disability coverage?

Coverage can be increased up to the guaranteed issuance amounts without underwriting. If you want to increase your coverage to a level higher than the guaranteed issuance amount, underwriting approval will be required.

What if I have a group comprehensive accident or group disability application in process?

Applications will continue to be processed as normal. If you have questions about your application, please contact us at 800.697.2732.

What if I have trouble paying my insurance premium?

If you’re experiencing financial hardship due to COVID-19, call 800.697.2732 for information on alternate payment options.

What if I need to file a group comprehensive accident or group disability claim?

In the event of a claim during this difficult time, please be assured it will be evaluated by the New York Life Insurance Company as normal based on the provisions of the group insurance policy.

Please review product-specific details on coverage for COVID-19 claims below.

Group Disability Insurance Claims

You may be eligible for benefits through your New York Life Insurance Company policy if you are not able to work due to having or being exposed to COVID-19. In order to be eligible for benefits, you must submit medical documentation by a medical professional that your sickness (COVID-19 exposure) meets the policy's definition of a disability and prevents you from performing your occupation. To submit your claim, print, fill out, and submit a disability claim form.

A quarantine situation must also be supported with medical documentation. Recommendations from elected officials or Centers for Disease Control and Prevention (CDC) guidelines, office closure, or absences from work due to childcare issues do not qualify.

Many factors will determine if a claim will be covered, including the type of coverage and the terms and conditions of the certificate and policy. The claim will be evaluated in accordance with the applicable waiting period and any other limitations, as for any other sickness or injury.

New York Life Insurance Company is providing an administrative exception for disability insureds whose insurance coverage would end under the terms of their contract if they were no longer working full time. This administrative exception will allow our disability insureds to maintain their coverage through June 30, 2020 even though the insured is not working full time, as long as premium payments are made.*

*Please note that Compliance Bulletin 2020-13 remains in effect. If insureds notify us that they are no longer working full time and unable to pay their premiums, coverage should not be canceled due to non-payment of premium.

Group Comprehensive Accident Insurance Claims

COVID-19 is a disease and is not a covered condition within group comprehensive accident insurance through New York Life Insurance Company.

If you have other questions or concerns, please do not hesitate to contact us via phone or email.

We are committed to giving you up-to-date information and resources as the situation evolves. Rest assured we continue to work diligently on behalf of you and your loved ones.

Group disability and group comprehensive accident insurance plans are underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy Form GMR.