Disability Income Insurance

Your veterinary degree is one of your most valuable assets. Without it, how would you earn income to afford daily living expenses like groceries, gas, or utilities? Throw medical bills into the mix, and you may find yourself in a tough financial situation. Insuring your income provides more than a monetary safety net; it helps keep your dreams intact.

Disability income insurance through the AVMA LIFE Trust provides support for you and your family in the event a covered accident or illness keeps you from returning to your profession. You can use this benefit toward:

  • Ongoing living expenses
  • Medical bills or medication
  • Rent, mortgage, or bills
"It's the best coverage I've found. I've kept it for over 30 years."
—Dr. Richard L. Runyon, Eastridge Animal Center

We offer both long-term and short-term disability income insurance plans. Apply for both to ensure you're covered no matter the duration of your disability.

Long-Term Disability Income Insurance Plan Features:

  • Wide-range of coverage amounts: Monthly benefits of up to $12,500, limited to 60% of your average earnings
  • Choice of waiting period: Select from a 30, 60, 90, or 180-day waiting period
  • Lifetime benefits: You'll receive benefits for life if you suffer a covered disability before age 50 and remain disabled
  • Level rates: Premiums don't increase with age—lock in lower rates by applying when you're young
  • Future purchase option: Increase your coverage in the future—without medical underwriting—to ensure your coverage keeps pace as your earnings grow

Short-Term Disability Income Insurance Plan Features:

  • Wide-range of coverage amounts: Monthly benefits of up to $5,000, limited to 70% of your average earnings
  • Maternity benefits: Benefits are paid for up to 3 months (6 months for disabilities resulting from complications from pregnancy)
  • Choice between two plans, depending on your desired waiting period
  • Benefits paid through the 6th month of a covered disability

APPLY ONLINE!

It has never been easier to apply for coverage through the AVMA LIFE Trust. Click the button below to obtain the affordable coverage you can trust.

Apply Online Now!

Information

Read on for plan features, costs, eligibility, renewability, exclusions, and limitations, to see if this coverage is right for you.


Disability Income Brochure

Disability Income Flyer

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Applications

Download and mail a completed application.

Member Application

Forms

Disability Claims Form

Waiver of Premium Claim Form

Carrier

Underwritten by New York Life Insurance Company (NY, NY 10010) on Group Policy Form GMR