Accidental Death & Dismemberment (AD&D)
Looking for affordable insurance protection that goes beyond your primary medical, long-term disability, and life insurance coverage? Consider the SBOT AD&D Plan issued by The Prudential Insurance Company of America. It’s AD&D coverage for specific injuries outlined in the schedule of benefits below. Members, under the age of 70, are eligible for $10,000 of Basic AD&D coverage at no cost to you and up to $500,000 in additional optional AD&D coverage. Acceptance is guaranteed—there are no medical exams or questions. To request coverage, simply sign up using the online web request form.
It also includes a Common Carrier feature that provides an additional 200% above the base benefit amount and covers you if you are killed or injured in an accident involving certain types of public transportation.
For just a few dollars more a month you can choose to receive $100,000, $250,000 or $500,000 of additional optional AD&D coverage. Acceptance is also guaranteed, there are no medical exams or questions.
|Age of Member||Monthly Cost per $25,000 of Insurance|
|60 - 69||$1.20|
|Basic AD&D||Optional AD&D|
|LOSS OF:||% of PRINCIPAL SUM||% of PRINCIPAL SUM|
|Both Hands or Both Feet||100%||100%|
|Sight in Both Eyes||100%||100%|
|One Hand and Foot||100%||100%|
|One Hand or One Foot and Sight of One Eye||100%||100%|
|One Hand or One Foot||50%||50%|
|Sight of One Eye||50%||50%|
|Hearing in Both Ears||50%||50%|
|Speech & Hearing in Both Ears||100%||100%|
|Thumb & Index Finger of Same Hand||25%||25%|
|Coma||1% up to|
|1% up to
|Additional Benefits for|
Loss of Life due to:
|Common Carrier**||Additional 200% above the base benefit amount||N/A|
|Seat Belt||Additional 10%|
up to $10,000
up to $25,000
up to $10,000
up to $25,000
* Basic AD&D coverage is provided by the Trust on a complimentary basis and may be discontinued at any time at the discretion of the Trust.
**Common Carrier: Any: (1) air, land, or water vehicle operated under a license for the transportation of passengers for hire; or (2) aircraft operated by the Military Air Transport Service (MATS) of the United States or by a similar military air transport service of any duly constituted governmental authority of any other recognized country. The term includes: (1) a shuttle bus, tram, Limousine, or other vehicle used to transport people within an airport; and (2) chartered aircraft. But it does not include any aircraft: owned; operated; controlled; or leased by or on behalf of the Contract Holder or any of its subsidiaries or affiliates or its customers.
The benefit amounts available for you are in multiples of $25,000 up to a maximum benefit amount of $500,000. Your spouse can also select coverage in multiples of $25,000 up to a $500,000 maximum, however, the spouse amount cannot exceed your own benefit amount. Eligible dependent children can be covered for $5,000, $10,000 or $15,000. All children must be covered for the same amount. A newborn child is not your qualified dependent until the first premium due date following birth.
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.
These Critical Illness and Accident coverages are not comprehensive health insurance coverage (often referred to as “Major Medical Coverage”).
They do not satisfy the individual mandate of the Affordable Care Act. They do not meet the requirements of minimum essential coverage as defined by federal law.
The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply.
Accidental Death & Dismemberment Insurance coverage issued by The Prudential Insurance Company of America (Prudential), Newark, NJ Contract Series 83500. CA COA #1179 , NAIC #68241