Member Basic Protection Package

Long-Term Disability Income coverage is like insurance for your paycheck. If you can't work due to a covered illness or injury, it can pay a monthly benefit that helps you replace lost income and meet day-to-day expenses, pay medical bills, and continue saving for the future.

Coverage Highlights

Wide range of coverage amounts
Apply for monthly benefits up to $12,500.*

Choice of waiting period
You choose when benefits can begin—30, 60, 90, or 180 days after the start of a covered disability.

Own Occupation Plus option
If a covered disability keeps you from working as a veterinarian, you may receive your monthly benefit even if you are working in a different occupation.

Future purchase option
Increase your coverage in the future—without medical underwriting—to help ensure your coverage keeps pace as your income grows.

Decreasing Term Life Insurance helps support your loved ones after you're gone. The death benefit decreases as you get older and is highest in your younger years—the years when your family may need it the most.

Life after a terrible accident is never easy, but its aftermath can be a little more manageable with the right amount of financial protection.

In the event of a covered accident, AD&D benefits can be paid for the loss of:

• Life
• One or both hands
• One or both feet
• Sight in one or both eyes
• Speech
• Hearing

As a veterinarian, you are exposed to the dangers of rabies more often than most. The Rabies Prophylaxis Benefit can pay up to $600 annually for a series of rabies prophylaxis either before or after exposure.