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As you’ve seen from our first two videos, we at MGIS focus solely on doctors and dentists and understand how crucial CPT and CDT codes are to disability coverage.

When doctors and dentists can’t perform the procedures they’ve built their career on they may suffer devastating financial backlash.

With the MGIS incomeprotect® insurance program a physician can be considered disabled when they can’t perform just one of their established medical procedures.

What does this mean for your clients? The MGIS incomeprotect® takes generally broad definitions and makes them specific so your clients will have the income replacement protection they need when they become disabled.

The definitions of most group LTD plans place all physicians into broad specialties. But it’s important to think through the specifics of most medical specialties. A hip surgeon and a hand surgeon are both orthopedic surgeons but would have different disabling incidents.

Learn more about the importance of definitions and why they matter in this week’s video. This is the type of coverage your clients expect.


Your MGIS Team

The first two videos are still available for your reference. For a general overview of our incomeprotect® “IDI supplement” coverage, click here and to learn more about how we bridge the common coverage gap click here.

MGIS is a leading national insurance program manager experienced in building and managing specialized programs for medical professionals. We partner exclusively with highly rated insurers and focus on group disability and life, and medical-professional liability insurance for medical practices of all sizes, types, and specialties. We work exclusively through select brokers. MGIS services are provided by MGIS affiliated companies: The MGIS Companies, Inc., Medical Group Insurance Services, Inc., and MGIS Underwriting Managers, Inc. (DBA as MGIS Professional Insurance Solutions in CA and MGIS Underwriting Agency in NY).

Group life and disability insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 07P-LH-PT/07C-LH-PT, 12-STDPort-C- 01, 12-GPPort-P-01, 15-GP-01, and 16-DI-C-01.

In New York, group life and disability insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 13-GP-LH-01, 13-ADD-C-01-MGIS, 13-GP-LF-01, 13-LF-C-01-MGIS, 12-GPPort-P-01, 13-LFPort-C-01, 13- ADDPort-C-01, 15-GP-01, 16-DI-C-01 and 12-STDPort-C-01. The disability policies provide disability income insurance only. They do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department.

Administration for physician products is provided by Medical Group Insurance Services, Inc. (MGIS), in all states, except as follows: in CA by MGIS Insurance Agency, Inc.; in NY by MGIS Insurance Agency; in NC by Insurance Administration, Inc., d/b/a MGIS NC. Product offerings may not be available in all states and may vary depending on state laws and regulations.
GLTDEL-PHY-7520      SLPC 28962 03/18 (exp. 03/20)

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