What is Accidental Death & Dismemberment (AD&D) Insurance?
AD&D Insurance can help protect your world if the unexpected happens. The plan provides financial protection if you experience a severe injury or loss of life due to a covered accident. It’s designed to help you and your family manage unexpected expenses during difficult times. If you suffer a covered accident, the plan pays a lump-sum cash benefit directly to you or your beneficiaries. This money can be used however you need—medical bills, living expenses, or other financial obligations.
The SBOT AD&D Insurance plan.
As part of your SBOT membership, your acceptance for this plan is guaranteed. Coverage is issued by The Prudential Insurance Company of America, a trusted name for over 150 years.
Plan features designed for attorneys.
Schedule of Benefits.
| LOSS OF: | % of PRINCIPAL SUM |
| Life | 100% |
| Both Hands or Both Feet | 100% |
| Sight in Both Eyes | 100% |
| One Hand and Foot | 100% |
| One Hand or One Foot and Sight of One Eye | 100% |
| One Hand or One Foot | 50% |
| Sight of One Eye | 50% |
| Speech | 50% |
| Hearing in Both Ears | 50% |
| Speech & Hearing in Both Ears | 100% |
| Thumb & Index Finger of Same Hand | 25% |
| Quadriplegia | 100% |
| Paraplegia | 75% |
| Hemiplegia | 50% |
| Coma | 1% up to 100 months |
| Additional Benefits for Loss of Life due to: | |
| Seat Belt | Additional 10% up to $25,000 |
| Airbag | Additional 10% up to $25,000 |
FAQs.
Who is eligible to apply?
Members up to age 70 may apply for up to $500,000 of coverage, while members who are between ages 70-75 may apply for up to $250,000 of coverage. Eligible full-time employees can also apply, up to age 76.* Your spouse can apply for the same amount of coverage as you, and your children are eligible for up to $15,000 of coverage, in $5,000 dollar increments. That includes legally adopted children, step-children, and foster children who depend upon you for support and maintenance.
How much will coverage cost?
Our easy-to-use rate calculator can tell you how much AD&D Insurance will cost based on your age and chosen coverage amount.
How do I enroll for coverage?
The process is quick and simple—just answer a few questions and if you meet the necessary requirements, your acceptance is guaranteed, with no medical exam or health questions.
* Eligible employees are full-time employees (30 hours or more per week) of an “Eligible Employer Unit” who are less than age 76. An “Eligible Employer Unit” is a sole proprietorship, partnership, or corporation engaged primarily in the practice of law with at least one full-time employee who is not a member of the State Bar of Texas.
This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.
This is not a complete description of the plan, but merely a brief summary. For additional information including benefits, limitations, and exclusions contact the Trust Office for a brochure. After you enroll, you will be issued a Group Insurance Certificate describing your coverage in greater detail. The complete terms of the coverage will be governed by the group insurance contract issued to the State Bar of Texas Insurance Trust by the carrier.
This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).
The State Bar of Texas Accidental Death & Dismemberment insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. In Washington, the controlling document is the Certificate, not the Contract. Contract Series: 83500
Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
1009276-00005-00