Disability Insurance

Program Highlights:

The physician LTD program is a custom designed program, which is coordinated with individual plans, that can typically bring the total cost down 20% or more from a traditional IDI (Individual Disability Insurance) and other fully underwritten individual products alone.

Our program currently insures more than 125,000 physicians and 10,000 practices nationally, it offers guaranteed issue (no medical requirements) and provides “Specialty Occupation Protection” that covers multiple contingencies:

Plan Highlights:

  • Up to $25,000 per month of additional long-term disability (without offsetting any individual LTD coverage)
  • Pension Rider – ability to protect your profit-sharing contribution up to $51,000/year (physicians/non physicians)
  • Medical Malpractice Rider – pays the premium for traditional malpractice, risk retention or captive up to $75,000 if partially disabled
  • Business Overhead (Key Person) Rider – helps defray the overhead cost of a firm while a covered professional or key employee experiences a period of disability (up to $15,000/month for 24 months, indemnity payment). These funds can be used to bring in another professional, offset office expenses or apply toward a buy-out of disabled physician.

Best Suited For:

  • High Income Medical Professionals: physicians, dentist, multi-specialty practice, ACO, MSO, Super Groups and hospitals.
  • Best Contact: Managing Partner, Owner, CFO or Director of Practice Operations