Individual Disability

DISABILITY INSURANCE CAN HELP PRESERVE YOUR STANDARD OF LIVING AND ENSURE YOUR FUTURE.  IT GOES TO WORK WHEN YOU CAN’T

What is your greatest asset: Your home? Your practice? They are both vital to your lifestyle and they are the result of your most valuable asset – your ability to earn an income. If you become too sick or hurt to work, what would happen to everything you have worked so hard to build for yourself, your family and your future?

Individual Disability Insurance Protection: To provide personal income to “you”

■ Up to $25,000 maximum monthly benefit available, $45,000 or 80% of adjusted gross income  with SMA’s Group LTD program
■ Specialty Own Occupation definition of disability in the contract for the entire benefit period. Full residual and recovery benefit for the entire benefit period Medical Specialty letters available for all AMA approved specialties
■ Non-Cancelable and Guarantee Renewable Contracts
■ Contracts are portable
Association discount up to 15%

Disability Business Expense Protection: Cover overhead for an owner of a practice

■ Maximum Issue and Participation Limits up to $40,000 (plus)
■ Substitute Salary Expense Rider  up to $20,000 This helps pay the expenses incurred to employ another physician to perform the duties you would otherwise perform had you not become disabled
■ Non-Cancelable and Guarantee Renewable Contracts
■ Association discount up to 15%
■ Contracts are portable

Key Person Disability Protection: To provide funds to recruit another physician

■ Maximum Issue Limits up to $500,000
■ Non-Cancelable and Guarantee Renewable Contracts
Association discount up to 10%

Pension Protection Disability Protection: To contribute to your pension after a disability

■ Maximum Issue Limits up to $48,000 annually
■ Non-Cancelable and Guarantee Renewable Contracts
Association discount up to 10%

Buy Out Disability Protection: To fund a buy out agreement

■ Maximum Issue Limits up to $2,000,000 for each physician (plus)
■ Non-Cancelable and Guarantee Renewable Contracts
Association discount up to 10%

Loan Disability Protection: To pay off your commercial loan to buy equipment or a practice

■ Maximum Issue Limits up to $10,000/month not to exceed $1,000,000
■ Non-Cancelable and Guarantee Renewable Contracts
Association discount up to 10%

To speak with a Customer Service Representative, call 1-800-423-4992 ext 150-Wendy Erhart