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

Plan Overview

  • Maternity Benefits
  • Wide-range of coverage amounts: Select a coverage amount up to $12,500, limited to 60% of your average earnings
  • Choice of waiting period: Select between a 30, 60, 90, or 180 day waiting period
  • Lifetime benefit offer: Lock in your purchased benefit level for life if you become disabled before age 50
  • Future purchase option: Increase your coverage in the future—without medical underwriting—to ensure your coverage keeps pace as your earnings grow
  • Long-term or short-term coverage


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!


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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Download and mail a completed application.

Member Application


Disability Claims Form

Waiver of Premium Claim Form


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