Long Term Disability Insurance

Applying is easy!

Up to $10,000 of coverage available to help protect your income. Select the amount that works for you.

Coverage you can count on

Help protect your loved ones and keep the lifestyle you've worked hard to create.

Reliable and Affordable

Coverage is issued by The Prudential Insurance Company of America (Prudential).

LTD Insurance Rate Estimator

Select your age range to view your semi-annual rate. Move the slider to find a coverage amount that fits your needs. All fields are required unless marked optional.
Coverage
Coverage $5,000
Semi-Annual Payment
$265.80

$1,000$10,000

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Benefit Duration


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Elimination Period



Frequently Asked Questions

The plan is for members of the Virginia State Bar (VSB) only. As a member, you are eligible to apply if you are under age 70, working at least 25 hours per week and reside in Virginia. Coverage is subject to Prudential's approval of satisfactory evidence of insurability.

Monthly benefit amounts range from $100 to $10,000. Your monthly coverage amount, plus any other disability income coverage you may have, cannot exceed 66⅔% of your monthly earned income.

You can receive disability benefits if you cannot perform the duties of your regular occupation because of a disability, you are under the regular care of a doctor, and you incur a loss of income of 20% or more.

Yes. We understand you may be partially disabled and still able to work part-time. If you are disabled and working and incur a loss in monthly earnings of 20% or more as a result of your disability, you will receive a monthly benefit based on your percentage of lost earnings.

You choose how soon you receive monthly benefits-after 90 or 180 days while disabled and not working. Your elimination period for a period of disability while you are working is 180 days. (This is called the Elimination Period.) Before deciding, consider your personal finances and how long you can cover your bills without your regular income.

Your coverage under the VSB Long Term Disability Insurance Plan will begin on the first day of the month after you have been approved and have paid the first premium, and are actively at work.

Any disability for which you received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines, or followed treatment recommendation in the 12 months just prior to your effective date of coverage would not be covered for the first 72 months of coverage. Or you had symptoms for which an ordinarily prudent person would have consulted a hea Ith care provider in the 72 months just prior to your effective date of coverage or the date an increase in benefits wou Id otherwise be available.

The VSB Long Term Disability Insurance Plan does not cover any disabilities caused by, contributed to by, or resulting from: Intentionally self-inflicted injuries; war, declared or undeclared, or any act of war; or pre-existing condition.

Disabilities due in whole or in part to mental illness have a limited pay period of 24 months during your lifetime, as described in the Certificate of Coverage.

The VSB Long Term Disability Insurance Plan comes with a satisfaction guarantee. Once you receive your Certificate of Coverage, read it over carefully. If the plan does not meet your expectations, return it within 30 days of receipt. Any premiums paid will be refunded to you.

Warnings
validation warnings here.