As a benefit of your membership, you can receive $10,000 of Basic
Accidental Death and Dismemberment Insurance (AD&D) at no cost to you.*

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 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.

Sign Up by March 15, 2017!

Accidental Death & Dismemberment (AD&D) Insurance

Looking for affordable insurance protection that goes beyond your primary medical, long-term disability, and life insurance coverage? Consider the SBOT AD&D Plan. It’s accident coverage for specific injuries outlined in the schedule of benefits to the right. You 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 fill out the electronic application above.

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.

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

* Basic AD&D coverage is provided by the Texas Bar Private Insurance Exchange on a complimentary basis and may be discontinued at any time at the discretion of the Texas Bar Private Insurance Exchange.
**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 State Bar of Texas Personal Accident Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ 07102. The Booklet-Certificate contains all details, including any policy exclusions, limitations,and restrictions, which may apply.
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