Discover the AVMA Trust Employee Benefits Program

As a practice owner, you have many responsibilities: caring for your patients, running a successful business, and ensuring the safety and well-being of your team members. Now, you can help give those team members additional peace of mind by providing them with a variety of group insurance products and value-added services through the AVMA Trust’s partnership with The Hartford.

Through the AVMA Trust Employee Benefits Programs, you can provide your team members with:

Life and Accidental Death & Dismemberment Insurance
Life insurance together with Accidental Death & Dismemberment (AD&D) insurance helps cover your employees in case an untimely death or accident affects their income-earning ability. AD&D benefits are paid in addition to any life insurance they may have and can be used to pay for daily living expenses and other needs.

Short-Term Disability Insurance
A back injury, pregnancy, or serious illness can mean weeks or even months without a paycheck. Even if team member cannot work, they still need to pay the bills. Short-Term Disability (STD) benefits help them pay for daily necessities while staying current with all they’ve worked so hard to achieve.

Long-Term Disability Insurance
Long-Term Disability (LTD) insurance helps protect a team member’s paycheck after a serious accident or illness. LTD provides a percentage of their income each month, depending on how much protection they have. They also can get professional help for disability-related challenges, including legal, financial, and therapeutic assistance.

Additional insurance benefits available to employees include:

  • Hospital indemnity
  • Accident
  • Critical illness
  • Business travel accident

Value-Added Services* In addition to group insurance, the AVMA Trust program includes several value-added services at no additional cost, including:

  • An Employee Assistance Program (EAP) – Offers confidential assessments, short-term counseling, referrals, and follow-up services for employees with personal and/or work-related problems.
  • Funeral Planning and Concierge Services – Helps employees with funeral planning and cost comparisons before or after a loss.
  • Estate Guidance®Helps employees create a living will, form a trust, and learn about financial power of attorney.
  • Beneficiary Assistance®Helps employees and their beneficiaries with estate and probate issues, tax questions, and retirement considerations after a loss.
  • Travel Assistance and ID Theft Protection – Helps employees feel secure when traveling with Visa and passport support, access to doctors abroad, and identity theft protection and support.
  • HealthChampionSMOffers unlimited access to claims specialists to address medical care and support

For more information and a no-obligation proposal, contact Kevin Madden, Senior Sales Executive at The Hartford, at 312-384-7552.


AVMA LIFE Trust's Employee Benefit Program is underwritten by Hartford Life and Accident Insurance Company, a leading provider of life, disability, and accident insurance to the association and affinity marketplace.

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company. Home office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reductions of benefits, and terms under which the policies may be continued in force or discontinued.

Life Form Series includes GBD-1000, GBD-1100 or state equivalent.
Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.
Disability Form Series includes GBD-1000, GBD-1200 or state equivalent.

*Services are offered through vendors that are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit for more information.

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