Long-Term Disability

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 Insurance Trust offers several disability 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.

You will be considered totally 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 are not working at any job for wage or profit
  • You are under the regular care of a doctor
  • You are not confined in 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.

An optional cost of living adjustment benefit is available under select plans which provides for an automatic increase of 6% in the monthly benefit amount after 12 consecutive months of benefits have been payable. There are a maximum of 8 such annual increases available under the plan.

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 Maximum Monthly Benefit, and
  • 50% of your Maximum Monthly Benefit times the number of months remaining in the unexpired portion of the Maximum Benefit Duration at the time of your death
  • Monthly benefit amounts are available in $100 increments subject to a minimum of $300 and a maximum of $10,000. The maximum benefit amount for individuals over age 60 is $2,000. The monthly benefit including may not exceed 66.67% of your monthly earnings.

Click here to view the plan brochure


  • Members - All members of the State Bar of Texas who are less than age 70
  • Employees - All employees of an "Eligible Employer Unit" who are working full time (30 hours or more per week) and are less than age 70. 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.

HOW TO ENROLL:  All applicants will need to complete a Prudential Application Form.

Approval process takes approximately 30 days, depending upon additional information requested by Prudential.

Return the completed form to:

State Bar of Texas Insurance Trust
206 E. 9th Street, Suite 1501
Austin, Texas 78701

This is not a complete description of the plan. 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.

Local: (512) 479-0941
Houston: (713) 224-4024
Dallas/Ft.Worth: (817) 654-3347

Toll-Free: 1-800-460-7248
FAX: (512) 479-4109

The Group Long Term Disability coverage is issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102.  Contract Series 83500.  The Booklet Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply.  CA COA #1179 NAIC # 68241.