Office Overhead Expense Insurance

Office Overhead Insurance is intended to provide a monthly benefit to help you meet the ordinary and fixed office expenses that continue in your absence in the event you become totally disabled as the result of a covered sickness or accident. Maintaining these expenses in your absence is vitally important and this benefit may prevent you having to decrease staff, resort to savings or investments, or rely upon disability benefits to pay the overhead expenses. The normal and regular business expenses are covered under the plan.

In addition, the plan includes a Survivor Benefit which provides a one sum payment to your spouse, if living, and otherwise to your children. The benefit is equal to the lesser of:

  • 3 times your Maximum Monthly Benefit
  • 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.
  • The plan will pay 100% of your actual covered expenses up to the plan benefit maximum of $5,000 per month. Coverage is available to all members of the State Bar of Texas who are less than age 70.

› Click here to view the plan brochure

WHO IS ELIGIBLE TO APPLY:  Attorneys - All members of the State Bar of Texas who are less than age 70

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

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

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

This is not a complete description of the plan, but merely a brief summary. 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.

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