Accidental Death & Dismemberment Insurance for State Bar of Texas Members

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LIMITED TIME OFFER: As a benefit of your membership, you can receive $10,000 of Basic Accidental Death & Dismemberment Insurance at no cost to you.*

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.

Get More for a Few Dollars More

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.

AD&D Schedule of Benefits

 Basic AD&DOptional AD&D
LOSS OF: % of PRINCIPAL SUM % of PRINCIPAL SUM
Life100%100%
Both Hands or Both Feet100%100%
Sight in Both Eyes100%100%
One Hand and Foot100%100%
One Hand or One Foot and Sight of One Eye100%100%
One Hand or One Foot50%50%
Sight of One Eye50%50%
Speech50%50%
Hearing in Both Ears50%50%
Speech & Hearing in Both Ears100%100%
Thumb & Index Finger of Same Hand25%25%
Quadriplegia100%100%
Paraplegia75%75%
Hemiplegia50%50%
Coma1% up to
11 months
1% up to
100 months
Additional Benefits for
Loss of Life due to:
Common Carrier**Additional 200% above the base benefit amountN/A
Seat BeltAdditional 10%
up to $10,000
Additional 10%
up to $25,000
AirbagAdditional 10%
up to $10,000
Additional 10%
up to $25,000

Additional Benefit Rate (Optional)

Rates 
Age of MemberMonthly Cost per $25,000 of Insurance
< 60$.85
60 - 69$1.20
Coverage amounts are available in increments of $25,000 up to $500,000, with a minimum of $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.

Traditional AD&D Options

Insure yourself as well as your dependents with Accidental Death & Dismemberment Insurance (AD&D). AD&D provides benefits for losses caused by accidental bodily injury.

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.

APPLY FOR AD&D INSURANCE TODAY:

WHO IS ELIGIBLE TO APPLY?

  • Members – All members of the State Bar of Texas who are less than age 70.
  • Employees – All full-time employees (30 hours or more per week) of an “Eligible Employer Unit” who are less than age 70. 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.
  • Eligible Dependents – Spouse/domestic partner and dependent children less than 26 years old. Your children include your legally adopted children, step-children and foster children who depend upon you for support and maintenance.

As a benefit of your State Bar of Texas membership, you will receive a subscription to TELADOC at no cost to you, when you purchase any product through the Texas Bar Private Insurance Exchange.*   LEARN MORE >

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 type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage.

If you do not have other health insurance coverage, you may be subject to a federal tax penalty.

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. Contract Series 83500. CA COA #1179, NAIC #68241

0300833-00001-00

* Teladoc is an independent company that provides telephonic physician services and does not provide Prudential products or services. Teladoc is solely responsible for the service provided.

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