Long Term Disability Insurance for State Bar of Texas Members

Disability insurance provides a monthly income in the event you become totally disabled as the result of a covered accident or illness (including pregnancy). Since most of your expenses will continue during a time of disability, it is vitally important that you have a plan that covers those commitments.

The State Bar of Texas Member Group plan, with coverage issued by The Prudential Insurance Company of America (Prudential), offers several disability insurance plans that will enable you to build a solution that fits your individual needs. For attorneys, these plans also include benefits for periods of partial disability. (Partial disability coverage does not include requirements that claimants demonstrate any period of total disability to qualify for benefits.)

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 MONTHLY BENEFIT AMOUNTS:

Monthly benefit amounts are available in $100 increments subject to a minimum of $300 and a maximum of $15,000. The maximum benefit amount for individuals over age 64 is $2,000. Your monthly coverage amount cannot exceed 66.67% of your gross monthly earned income.

WHO IS ELIGIBLE TO APPLY:

• Members – All members of the State Bar of Texas who are less than age 65 and are working a normal full-time work week

CRITERIA FOR RECEIVING BENEFITS:

Regular Occupation Coverage: You can receive disability benefits if you cannot perform the duties of your regular job due to a disability.

You will be considered disabled if, as the result of a covered accident or illness, you meet all of the following criteria:

• You are not able to perform, for wage or profit, the material and substantial duties of your occupation
• You have 20% or more loss in your monthly earnings
• You are under the regular care of a doctor
• You are not confined to a prison or other house of correction due to a conviction for a criminal or other public offense

Your premiums will be waived while you are receiving monthly benefits for total disability commencing with the first quarterly billing date following the date monthly benefits begin.

OPTIONAL COST OF LIVING ADJUSTMENT:

If you’re under age 65, you will receive an automatic annual increase of 6% in your monthly payment if you’re disabled for at least 12 consecutive months, not to exceed 8 cost of living adjustments while you continue to receive payments for your disability.

SURVIVOR BENEFIT:

The plan also includes a survivor benefit which provides a one sum payment to your spouse or children if you should die while receiving benefits.

The amount of the payment is the lesser of:

• 3 times your monthly disability benefit, or
• 50% of your monthly disability benefit, times the number of months remaining in the unexpired portion of the Maximum Benefit Duration at the time of your death.

CATASTROPHIC DISABILITY:

Receive an additional 20% of your monthly disability benefit, up to a maximum of $5,000, if you are unable to perform 2 of the 6 activities of daily living: bathing, dressing, eating, toileting, transferring and Continence.