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Members can enroll for $10,000 of Basic AD&D Insurance at no cost.*

Accidents happen.

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 76, are eligible for $10,000 of Basic AD&D coverage at no cost to you, and may apply for up to $250,000 in additional optional AD&D coverage. Members, under the age of 70, may apply for 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.

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.*

Added peace of mind for a little more per month.

For a little more a month you can choose to receive $250,000 or $500,000 of additional optional AD&D coverage. Acceptance is also guaranteed, there are no medical exams or questions.

Optional AD&D benefits.

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 $250,000 or $500,000. Your spouse can also select the same coverage, 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.

Who is eligible to apply?


  • Members of the State Bar of Texas who are less than age 76 may apply for the Basic AD&D.
  • Members who are less than age 70 may apply for $250,000 or $500,000 of the Optional AD&D coverage.
  • Members who are between ages 70‐75 may apply for $250,000 of the Optional AD&D coverage.

Employees: All 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.

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.

AD&D Schedule of Benefits

Basic AD&DOptional AD&D
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%
Hearing in Both Ears50%50%
Speech & Hearing in Both Ears100%100%
Thumb & Index Finger of Same Hand25%25%
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)

Age of MemberMonthly Cost per $25,000 of Insurance
< 60$0.85
60 - 75$1.20
Coverage amounts are available in increments of $25,000 up to $500,000, with a minimum of $25,000.

Ready to apply for AD&D Insurance?

* 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.

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”).

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.

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