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 help 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 (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
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
Spouse/Domestic Partner Coverage: Apply for a $500 monthly benefit

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 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 Plan
**You must be insured for 12 consecutive months prior to onset of disability