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Disability Insurance

Disability Insurance for Lawyers: A Financial Safeguard When Injury or Sickness Prevent You from Working

Are you young and healthy?

Do you have stable financial footing?

No matter how secure you feel, you can use the protection of disability income insurance. By safeguarding yourself and your income now, while you are healthy and financially stable, you ensure coverage later, when you may need it most.

What makes ABE-sponsored Long-Term Disability Insurance for lawyers different?

  • Own occupation definition of disability: This is an important feature where you can receive benefits for up to 5 years when you are totally disabled and unable to perform your regular occupation or specialty - not just "any occupation."
  • Completely portable: Your coverage protects you as long as you are an ABA member and under age 75, regardless of your employment.
  • Unique charitable giving feature: Experience credits donated to the ABE help support over 200 legal research, educational, and public service projects and make you eligible for a charitable contribution deduction on your tax return.

Check out the Disability Insurance Plans available exclusively for ABA lawyer members (including a Retirement Contribution Disability Plan that continues to fund your qualified retirement savings plans) to determine which best meets your disability protection needs.

What if my firm already provides disability insurance?

When it comes to insurance, one size does not fit all. The coverage you qualify for through your employer may be limited, not measuring up for long-term disabilities or not providing enough to meet your financial obligations, such as your mortgage, living expenses, children's college education, retirement savings and assets, and care for your aging parents. Plus, many employer plans have a maximum time period on coverage (e.g., 2 years), which may leave you unprotected if your disability lasts longer, and many plans are subject to tax, which may reduce disability income by 20 to 30 percent. And, once your employment is over with a particular firm, so too may be your coverage.

How do I know if I have enough disability insurance?

Do a quick online analysis to help determine how much protection you need to help you meet your financial obligations should a disabiling sickness or injury occur. Please contact your ABE Insurance Plan Specialist to discuss your specific needs and goals.


Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy Form GMR. 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.

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

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