What is LTD insurance?
Long-term disabilities can range from arthritis to something as serious as cancer or Alzheimer’s. LTD insurance provides a monthly benefit if you become disabled due to a covered accident or illness (including pregnancy). Benefits are there to help pay for whatever your family needs, from everyday costs like credit card bills or mortgage payments to more long-term financial goals like a child’s college tuition.
The SBOT LTD Insurance plan.
Available at exclusive group rates as part of your SBOT membership, this plan can help supplement any coverage you may already have to provide an added layer of financial protection for your loved ones. Coverage is issued by The Prudential Insurance Company of America, a trusted name for over 150 years.
Plan features designed for attorneys.
FAQs.
Who is eligible to apply?
State Bar of Texas members who are under the age of 65 and working a normal full-time work week are eligible to apply as an exclusive benefit of their membership.
How much coverage do I need?
Use the LTD Needs Calculator for help estimating how much coverage you might need.
Can LTD Insurance help with student loan debt if I’m suddenly unable to work?
This plan provides an additional 25% of monthly benefits, up to $200,000 to repay a qualified student loan, if you are aged 25 – 45, are disabled, and are not working.
Need more information?
Download the plan brochure for more information on features and rates.
1 Your monthly coverage amount, plus any other disability income coverage you may have, cannot exceed 66% of your monthly earned income.
This is not a complete description of the plan. For additional information including benefits, limitations, and exclusions contact Member Benefits 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.
Long Term Disability 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.
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