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NEW! Long-Term Disability Plus Insurance

You collect up to $12,000 a month—paid directly to you

ABA members residing in the U.S (excluding NH, NV, OH, VT) and Puerto Rico, under age 65, who are actively working full-time can apply for up to $12,000 a month in disability income benefits, depending on current income. Benefits are available in $100 increments, with a 60, 90, 180 or 365-day waiting period. Total disability benefits (including 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% and 60% limitations stated above also apply to your spouse/DP. Spouse/DP’s coverage is limited to 9 times the member’s monthly benefit. Members must be insured to insure their spouse/DPs. 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.

NEW! “Own Occupation” Coverage to age 65

Unlike many other disability plans available today, this plan specifies that when you are totally disabled and completely unable to perform the material duties of your regular occupation, including your specific law specialty, you may receive full benefits for a disabling sickness or injury up to age 65 (except for disabilities due to mental disorder which is limited to 2 years or 12 months for disabilities occuring after age 69). Even if you are able to perform the duties of another occupation or specialty, you can still collect benefits.

NEW! Presumptive Disability

This new plan automatically includes this benefit, by which you will be presumed totally disabled if injury or sickness results in total and irrecoverable loss of: speech; entire hearing in both ears; entire sight in both eyes; or the use of both hands, or both feet, or of one hand and one foot. You do not have to satisfy the waiting period to receive benefits, and you will automatically receive benefits whether or not you are able to work at any occupation or require regular physician care.

NEW! Catastrophic Disability Benefit Option

This optional benefit will pay an additional 25% of your selected monthly benefit if you were to become “Catastrophically Disabled,” meaning that you have lost the ability to safely and completely perform two or more Activities of Daily Living without stand-by help; or are cognitively impaired and need another person’s assistance or verbal cueing for your protection or for the protection of others; or you have a terminal illness. This benefit is payable in addition to any other benefit payable, including the additional benefit for hospitalization.

Benefits will cease when you are able to continuously perform all the Activities of Daily Living without stand-by help or when you are able to increase your Monthly Earnings within your specialty of law, but choose not to. See certificate for details.

Caregiver Benefit

At no added cost, this feature provides up to one month of benefits to care for a close family member with a serious health condition. The health condition must be certified by the family member’s licensed attending physician. One benefit per close family member and a maximum of two benefits within any 5-year period.

NEW! Law School Loan Payment Benefit Option

This add-on benefit (available to members under age 40 who are practicing in at least one state) will pay up to $200,000 to a qualified Financial Lending Institution on your behalf for an eligible loan incurred to pay for your law school education, if you were to become totally disabled prior to age 45. The benefit will cease when you are no longer totally and permanently disabled or when you no longer receive a monthly benefit. See rates.

Cost of Living Adjustment (COLA) Option

If you become totally disabled, the COLA benefit will help your benefits keep pace with inflation by increasing your chosen 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. The COLA benefit will cease when you are no longer totally disabled, or you reach age 70, whichever comes first.

Definition of Disability

Benefits are paid directly to you for disabilities due to a covered sickness 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 spouse/DPs. Full benefits are payable up to age 65 if you are completely unable to perform the material duties of your regular occupation (including your particular specialty of law, if applicable) and are under the regular care of a physician. Speciality of law provision is not applicable to spouse/DP coverage. Benefits will be paid up to age 65 for total disabilities beginning prior to age 63 (except for total disabilities due to mental disorder, which limits benefits to two years or 12 months for disabilities occuring after age 69). 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

Once your application is approved and your first premium received, with no change in your health or insurability, your coverage becomes effective on the first day of the following month, providing you are actively working full-time.

You collect benefits for partial disability

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

% of Pre-Disability Earnings % of Monthly Disability Benefits Paid
1-10% 100%
11-50% 50%
51-70% 25%
71% and over 0%
Note: Amounts that 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 from which you received benefits. Partial disability benefits are counted toward any maximum benefit period.

Added Hospital Benefits

When hospitalized for disability, you collect an additional 50% of your monthly benefit for up to 3-full months for each covered sickness or injury, excluding the following: facilities which primarily provide custodial, educational or rehabilitative care.

Benefits for Mental, Nervous, or Emotional Disorder

If total or partial disability is due to a mental disorder, the maximum benefit period is two years (12 months if the disability occurs on or after age 70). “Mental Disorder” means a condition due to or relating from psychiatric or psychological conditions regardless of cause such as: schizophrenia, depression, manic-depressive or bipolar illness, anxiety, personality disorders, and/or adjustment disorders or other conditions usually treated by a mental health provider or other qualified provider using psychotherapy, psychotropic drugs or other similar modalities used in the treatment of the above conditions.

Waiver of Premium

Premiums that come due while an insured is disabled and collecting monthly disability benefits may be waived.

Tax Free Benefits

Under current federal income tax laws, disability income benefits are usually non-taxable if you personally pay the premiums. Be sure to contact your tax advisor.

Your Right to Renew

Your coverage is renewable as long as you stay employed full-time, are under age 75, the group policy stays in effect, you maintain your ABA membership, and premiums are paid when due. Because this is a group policy, your coverage cannot be canceled on an individual basis.

30-Day Free Look

This plan is backed by a full 30-day free review. Once your application is approved, you will receive your Certificate of Insurance. If for any reason after you receive it, you are not fully satisfied, simply write “cancel” and return it within 30 days without claim. Your premium will be returned promptly and you will be under no further obligation. This is just one more reason you can count on ABE for such an important purchase.


This plan does not provide benefits for: any disability that occurs during or is due or related to intentionally self-inflicted injury while sane or insane [Missouri Residents: This exclusion is not applicable to injury caused by an intentionally self-inflicted injury while insane]; declared or undeclared war or any act thereof; military service; or your incarceration for or participating in (except as a victim) an illegal occupation/activity or the commission of a crime; or any impairment or disease specifically excluded from your coverage. This plan limits benefits due to Mental Disorder to a maximum of 24 monthly payments.

Underwritten By:

Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 under Group Policy G-29900-0 on Policy Form GMR-FACE/G-29900-0. Coverage may vary or may not be available in all states.

New York Life Insurance Company's state of domicile is New York and its NAIC ID# is 66915.

All ABE-sponsored plans are group insurance plans, meaning coverage is issued to an ABA member under a Certificate of Insurance. It is not provided under an individual policy, nor is it employer/employee insurance. Plans may vary and may not be available in all states.



In this notice, references to “you” and “your” include any person proposed for insurance.  Information regarding insurability will be treated as confidential.  In considering whether the person(s) in your request for insurance qualify for insurance, we will rely on the medical information you provide, and on the information you AUTHORIZE us to obtain from your physician, other medical practitioners and facilities, other insurance companies to which you have applied for insurance and MIB, Inc. (“MIB”).  MIB is a not-for-profit organization of insurance companies, which operates an information exchange on behalf of its members.  If you apply for life or health insurance coverage or a claim for benefits is submitted to an MIB member company, medical or non-medical information may be given to MIB and such information may then be furnished by MIB, upon request, to a member company.

MIB and other insurance companies may also furnish New York Life, its subsidiaries or the ABE with non-medical information (such as driving records, past convictions, hazardous sport or aviation activity, use of alcohol or drugs, and other applications for insurance). The information provided may include information that may predate the time frame stated on the medical questions section, if any, on this application. This information may be used during the underwriting and claims processes, where permitted by law.

New York Life may release this information to ABE, other insurance companies to which you may apply for insurance, or to which a claim for benefits may be submitted and to others whom you authorize in writing.  However, this will not be done in connection with test results concerning Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV).  We may also make a brief report of your protected health information to MIB, but we will not disclose our underwriting decision.

New York Life will not disclose such information to anyone except those you authorize or where required or permitted by law.  Information in our files may be seen by New York Life and ABE employees, but only on a "need to know" basis in considering your request.  Upon receipt of all requested information, we will make a determination as to whether your request for insurance can be approved.

If we cannot provide the coverage you requested, we will tell you why.  If you feel our information is inaccurate, you will be given a chance to correct or complete the information in our files.  Upon written request to New York Life or MIB, you will be provided with non-medical information.  Generally, medical information will be given either directly to the proposed insured or to a medical professional designated by the proposed insured.  Your request is handled in accordance with Federal Fair Credit Reporting Act procedures.  If you question the accuracy of the information provided by MIB, you may contact MIB and seek a correction.  MIB's information office is: MIB, Inc., 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734, telephone (866) 692-6901 (TTY 866-346-3642).  Information for consumers about MIB may be obtained on its website at www.mib.com.


For NM Residents: Protected persons1 have a right of access to certain Confidential abuse information2 we maintain in our files and they may choose to receive such information directly.  You have the right to register as a Protected person by sending a signed request to the Administrator at the address listed on the application.  Please include your full name, date of birth and address.

1Protected person means a victim of domestic abuse:  who has notified us that he/she is or has been a victim of domestic abuse; and who is an insured person or prospective insured person.

2 Confidential abuse information means information about:  acts of domestic abuse or abuse status; the work or home address or telephone number of a victim of domestic abuse; or the status of an applicant or insured as family member, employer or associate of a victim of domestic abuse or a person with whom an applicant or insured is known to have a direct, close, personal, family or abuse-related relationship.

New York Life Insurance Company



Schedule Of Benefits And Quarterly Premiums

How Your Assignment of Dividends to ABE Works - Your Plan's Unique Charitable Giving Feature

Founded in 1942, the American Bar Endowment (ABE) is a §501(c)(3) not-for-profit organization composed of members of the American Bar Association, who are also members of the American Bar Endowment. ABE makes annual grants to fulfill its charitable purpose of improving the administration of justice, one of the legal profession's highest obligations. These grants support research, public service and educational projects in the field of law including those of the American Bar Foundation and the ABA Fund for Justice and Education. ABE also maintains the Legal Legacy Fund for the 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 dividends payable on the group policies may be retained by ABE for its charitable purposes unless reclaimed as outlined below. Donations of dividends to ABE are tax-deductible to such members to the fullest extent permitted by law as contributions under Section 170(c) of the Internal Revenue Code.

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

Members who wish to request a refund of their dividends 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. Members do not need to wait for this information as refund requests are accepted beginning January 1. To request that dividends be paid to you rather than donated to ABE: After the first policy year of your participation, a written request for refund (by mail or email to dividends@abendowment.org) must be made each year and must reach ABE by December 15. When ABE receives your refund request, we 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 dividends, 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 dividends to ABE must make a written request for refund each year, using the procedures noted above. When members sign an application for insurance, they are agreeing to make an annual decision whether to contribute.


THIS IS A SUMMARY of the principal provisions of the group insurance program offered through the American Bar Endowment for its members. IT IS NOT TO BE CONSIDERED A CONTRACT OF INSURANCE. The complete terms of the program are set forth in the Group Policy G-29900-0 on policy form GMR-FACE/G-29900-0 issued by New York Life Insurance Company to the American Bar Endowment.

Bonnie Czarny is licensed in AR, Ins. Lic. #404091 and in CA, Ins. Lic. #0H99426


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

G-29900-0-A W15
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