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Long-Term Disability Insurance

You'll Enjoy Worthwhile Benefits - Commensurate With Your Profession

A disability could potentially destroy your way of life. It can take away many things you've achieved through your profession—all the things you've enjoyed at your income level. The ABE Long-Term Disability Plan can insure you and your family against such a loss. Since your income is the basis of your lifestyle, protect it with ABE-Sponsored Long-Term Disability Insurance.

Members Can Insure Income Up To $12,000 Per Month

If you are an ABA member under age 65 and actively at work full time, you are eligible to apply for coverage. Depending on your income and the level of insurance protection you feel you need, you may insure yourself from $100 to $12,000 a month, in increments of $100. Total monthly disability benefits (including those from any other disability plan you may have) may not exceed the lesser of $20,000 or 66 2/3% of your basic monthly pay for benefit amounts through $7,500 (60% for monthly benefits over $7,500).

Spouse/Domestic Partner Plan Option

Your spouse/domestic partner (DP) under age 65 who is actively working full-time may apply for monthly disability income benefits in increments of $100, up to $5,000 a month. The 66 2/3% limitation stated above also applies to your spouse/DP. Spouse’s coverage is limited to 9 times the member’s monthly benefit. Members must be insured to insure their spouses/DPs. Certain occupations may not be eligible. To verify occupational eligibility, call the ABE toll-free at 800-621-8981. If both you and your spouse/DP are ABA members you may both apply for separate member coverage, but if you apply separately you may not also insure each other as a spouse/DP on your coverage.

Definition of Disability

Benefits are paid directly to you for disabilities due to a covered illness or injury. Benefits begin on the day after the chosen waiting period of 60, 90, 180, or 365 days for members and 90, 180, or 365 days for spouses/DPs. Full benefits are payable for up to five years if you are completely unable to perform the material duties of your regular job (including your particular specialty of law, if applicable). The speciality of law provision is not applicable to spouse/DP coverage. After that, benefits will continue if you are unable to perform the material duties of ANY gainful job for which you are reasonably fit by education, training or experience. Benefits may be paid up to age 65 for total disabilities beginning prior to age 63 (except for total disabilities due to mental illness). If the disability begins on or after your 63rd birthday, but before your 70th, benefits are payable for up to two years if the disability continues for that period. If the disability begins on or after your 70th but before your 75th birthday, benefits will be payable for up to 12 months if the disability continues for that period.

When Your Insurance Becomes Effective

Coverage begins on the first day of the month after your application is approved, provided the initial premium is received within 30 days of the effective date of coverage and provided the applicant(s) is actively at work on that date. If the applicant(s) is (are) hospitalized or disabled on that date, your coverage begins on the first day of the month after your hospitalization or disability ends and you return to full-time work. Member must be insured to insure spouse/DP. 

You Can Choose The Waiting Period To Save On Premiums

The ABE Long-Term Disability Plan also allows you to choose when you want to receive your benefits. Select waiting periods of 60, 90, 180, or 365 days for members and 90, 180, and 365 for spouses/DPs. The waiting period begins on the first day of total disability occurring after the effective date. Benefits accrue the day after the chosen waiting period has been satisfied.

Partial Disability Benefits

If you are no longer totally disabled, and are able to return to work on a part-time basis, you will be paid partial disability as follows:

% of Pre-Disability Earnings Received % of Monthly Disability Benefits Paid
1-10% 100%
11-50% 50%
51-70% 25%
71 and over 0%

Note: Amounts which do not fall within the percentages stated above for pre-disability earnings will be rounded to the nearest percentage.

The partial disability must begin within 31 days after a total disability for which you received benefits. This benefit will continue for up to 24 months providing the partial disability is the direct result of an injury or illness that caused the total disability. Partial disability benefits are counted toward any maximum-benefit period.

Optional Cost Of Living Adjustment (COLA) Benefit

If you become totally disabled, the COLA benefit will increase the monthly benefit by 3% per year for up to five years (e.g., with a $3,000 monthly benefit, $90 would be added each year to your monthly benefit for a total benefit of $3,450 after the fifth increase). The first 3% increase would occur at the end of your first, full, continuous year receiving total disability benefits, and then annually for up to four years thereafter. This option will help your benefit keep pace with inflation if you become totally disabled.

Waiver Of Premium

Premiums for an insured person will be waived while that insured person is disabled and receiving disability benefits on a specific plan. Waiver of premium ends when disability benefits have ceased.

You Are Covered For Recurring Conditions

The ABE Long-Term Disability Plan considers one period of disability as follows: Successive periods of disability due to the same or related causes, not separated by a return to full-time work of six continuous months or more. If the disability follows this course, you will not be subjected to additional waiting periods.

Added Hospital Benefits

While hospitalized for a disability, this plan will pay a 50% added benefit for up to 3 months for each covered injury or illness. This benefit is not payable for confinement in places used mainly for the aged, the chronically ill, convalescents, drug addicts, alcoholics, or as a rest home, a nursing home, or a place that specializes in custodial, educational, or rehabilitory care.

Your Benefits Are Tax Free

The ABE Long-Term Disability Plan pays benefits directly to you, benefits that are normally tax free under present Federal Income Tax Laws if you pay your own premiums. Consult your tax advisor for details.

You Don't Need To Be Hospitalized To Receive Benefits

A hospital confinement is not necessary to receive benefits. You must, however, be under the regular care of a physician to be considered disabled.

30-Day Free Look

To apply for coverage, simply complete the application form, sign, date, and return it to us with your first premium payment. After your application has been approved, you will receive a Certificate of Insurance. Take up to 30 days (without claim) to review it carefully. If this plan isn’t everything you expect, simply write “cancel” and return the Certificate within 30 days, and you will promptly receive full refund of any premiums paid. You’re under no further obligation.

Your Right To Renew

You may renew your coverage as long as you are under 75, actively at work full time, the Group Policy remains in effect, the member remains an ABA member and premiums are paid on time. The spouse/DP must remain an eligible dependent and be under age 75. Member must be insured to continue spouse/DP coverage. You cannot be singled out for an increase in premiums or for cancellation.

Benefits For Mental Illness

If total or partial disability is due to mental illness, the maximum benefit period is two years. The policy defines mental illness as a psychiatric or psychological condition regardless of cause such as schizophrenia, depression, manic-depressive or bipolar illness, anxiety, personality disorders and/or adjustment disorders or other conditions. These conditions are usually treated by a mental-health provider or other qualified provider using psychotherapy, psychotropic drugs, or other similar methods of treatment.


No benefits are paid for disabilities caused by or resulting from attempted suicide or intentionally self-inflicted injury; service in the Armed Forces of any country, except during a temporary active duty assignment with the U.S. Armed Forces of less than 8 weeks duration;  war, or any act of war, whether declared or undeclared; or committing or attempting to commit a crime. Some spousal occupations may not be eligible for coverage. Please call ABE toll-free for details.

MIB DISCLOSURE NOTICE (Retain for your records.)

Information regarding your insurability will be treated as confidential. The United States Life Insurance Company in the City of New York or its reinsurers may, however, make a brief report thereon to the MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request will supply such company with the information about you in its file. Upon receipt of a request from you, MIB, will arrange disclosure of any information in your file. Please contact MIB at 866-692-6901. If you question the accuracy of the information in MIB’s file, you may contact MIB and seek a correction in accordance with the procedures set forth in the federal Fair Credit Reporting Act. The address of MIB’s information office is 50 Braintree Hill Park, Suite 400, Braintree, Massachusetts 02184-8734. The United States Life Insurance Company in the City of New York, or its reinsurers, may also release information from its file to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.

MIB-19431 (Form No. for NY only)


This is to inform you that as part of The United States Life Insurance Company’s procedure for processing your insurance application, an investigative consumer report may be requested for the preparation of a report whereby information is obtained through personal interviews with your neighbors, friends, or others with whom you are acquainted or who may have knowledge of any such items of information. This inquiry includes information as to your character, general reputation, personal characteristics, and mode of living. You have the right to make a written request to be informed as to whether or not such consumer report was requested, and if such report was requested, the name and address of the consumer reporting agency to whom the request was made. You may receive a copy of this report by contacting such agency.

FCRA-19432 (Form No. for NY only)


Schedule Of Benefits And Quarterly Premiums

How Your Assignment of Experience Credits to ABE Works — Your Plan's Unique Charitable Giving Feature

Founded by the ABA in 1942, the American Bar Endowment (ABE) is a §501(c)(3) not-for-profit organization composed of members of the American Bar Association. ABE makes annual grants to the American Bar Foundation and the ABA Fund for Justice and Education to fulfill ABE’s charitable purpose of improving the administration of justice, one of our profession’s highest obligations, by funding research, public service and educational projects in the field of law. ABE also maintains the Legal Legacy Fund for the permanent support of its grantees. By participating in ABE’s group insurance programs, designed for and available only to ABA members, members can contribute to these efforts. ABA members who enroll in ABE-sponsored insurance programs agree that their share of any experience credits payable on the group policies may be retained by ABE for its charitable purposes unless reclaimed as outlined below. The Internal Revenue Service has ruled that members who donate their experience credits to ABE are eligible for a charitable contribution deduction on their individual income tax returns. Contributions to ABE are tax deductible under Section 170(c) of the U.S. Internal Revenue Code, in accordance with IRS regulations and the March 1987 ruling provided to ABE by the IRS.

Members who donate experience credits to ABE make a difference. These funds, after administrative expenses, are the primary source of ABE’s charitable grants and additions to the Legal Legacy Fund. Insured members who donate their experience credits help meet their professional and public responsibilities, as well as obtaining valuable coverage for their families. About 85% of members donate their experience credits; these members are notified each year by late January of the amount, if any, of their dividend donation for the prior year. (Experience credits are not guaranteed, and in any given year, a given plan may not pay a dividend; experience credits will vary from year to year.)

Members who wish to request a refund of their experience credits may do so. The approximate percentage of premium available for refund (if any) on each plan will be published in each November issue of the ABA Journal. You do not need to wait for this information as refund requests are accepted beginning January 1. To request that experience credits be paid to you rather than donated to ABE: After the first policy year of your participation, a written request for refund (by mail, fax, or email to dividends@abendowment.org) must be made each year and must reach ABE by December 15. When ABE receives your refund request, it will send a confirmation. Retain this for your records as proof your request was timely received. If you do not receive a confirmation within 3 weeks, contact the ABE promptly to obtain another copy. (Special instructions for new applicants are contained in the application and apply to experience credits, if any, during the first policy year only.)

Dividend checks and/or contribution notices for your tax return are mailed by late January. If you receive a contribution notice and you did not intend to make a contribution, you may request a one-time waiver of the December 15 deadline by asking for a refund, if you have not previously requested such a waiver.

Please note: Members who do not want to contribute experience credits to ABE must make a written request for refund each year, using the procedures above. When members sign the application, they are agreeing to make an annual decision whether to contribute. Do not sign the application if you do not agree with these procedures.


Underwritten By:

This plan is underwritten by The United States Life Insurance Company in the City of New York, domiciled in New York State with their principal place of business located at One World Financial Center, 200 Liberty Street, New York, NY 10281, licensed in all states, plus DC, except PR. This information is a brief summary of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. G-164,156, Form No. G-19000. Coverage may vary or may not be available in all states. The underwriting risks, financial obligations and support functions associated with products issued by the United States Life Insurance Company in the City of New York are its responsibility.



We will be happy to answer your questions. Just call 800-621-8981 or email us at information@abendowment.org


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