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
"I ended up developing a chronic illness that forced me to retire early from my veterinary practice. I believe that having disability income [insurance] helped keep me alive and from falling into poverty. The AVMA Trust representatives treated me with respect and support [and] as part of their family."
—Ken Gorczyca, DVM

The experiences of the individual described herein may not be representative of the experiences of all clients.



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

Long-Term Disability Income Insurance Features:

  • Wide-range of coverage amounts: Monthly benefits of up to $12,500, limited to 60%* of your average earnings (70% when combined with the Trust's Short Term Disability)
  • Choice of waiting period: Select from a 30, 60, 90, or 180-day waiting period
  • 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
  • Spouse/Domestic Partner Coverage: Apply for a $500 monthly benefit

Short-Term Disability Income Insurance Features:

  • Wide-range of coverage amounts: Monthly benefits of up to $5,000, limited to 70% of your average earnings
  • Maternity benefits: Benefits can be paid for up to 1 month for routine pregnancy/delivery** (disabilities resulting from complications from pregnancy are covered as any other illness)
  • Choice between two plans, depending on your desired waiting period
  • Benefits can be paid through the 6th month of a covered disability

*70% if purchased with the AVMA LIFE Trust Short-Term Disability
**You must be insured for 12 consecutive months prior to onset of disability


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Information

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


Disability Income Brochure

Long-Term Disability Income Flyer

Short-Term Disability Income Flyer

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Get a Quote

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Applications

Download and mail a completed application.

Member Application

Current STDI Insureds: Optional Extended Maternity Benefit

Forms

Disability Claims Form

LTDI Claims Guide

STDI Claims Guide

Waiver of Premium Claim Form

What to Expect During Underwriting

Carrier

New York Life Insurance Company, NY, NY 10010 on group policy Form GMR. New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability. New York Life’s state of domicile is New York, and NAIC ID # is 66915.

NYL - 1822069