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.)
HELP PROTECT YOUR INCOME – APPLY NOW!
TWO CONVENIENT ENROLLMENT OPTIONS
OPTION 1: Online
OPTION 2: Mail or Fax
Fax to: 904-212-2058
Or mail to:
Texas Member Benefits, Processing Center
10739 Deerwood Park Blvd, Suite 200-B
Jacksonville, FL 32256-4838
The approval process takes approximately 30 days, depending upon additional information requested by Prudential.
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 if you are unable to perform 2 of the 6 activities of daily living: bathing, dressing, eating, toileting, transferring and Continence.
Watch our FREE Webinar to learn more about types of disability insurance, disability facts and figures, and how to find the right plan for your needs.
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. 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.
This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.
The Group 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. CA COA #1179 NAIC # 68241.
1006107-00001-00
* 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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