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Why Doctors Need Procedure-Specific Group Disability Coverage

Medical specialists need procedure specific Group Disability coverage. Here’s why:

  • Their jobs are physical in nature, requiring manual labor-like tasks -- standing for long hours, bending, dexterity, and precise movements -- that severely impact their income if they are unable to perform them.
  • They expect their group Disability plan to mirror the rich provisions and contract language of their IDI policy.
  • They’ve invested years perfecting their procedures and don’t want to be forced to perform other ones by insurance carrier managed disability provisions.
  • Their income may exceed the maximum benefits available in the individual disability market, so group IDI–supplement coverage is an excellent way to protect more of their income.

Many doctors are surprised at claim time to find that their group LTD plan doesn’t meet these expectations.

The MGIS incomeprotect® policy closely mirrors IDI policies, with an actual procedures definition of disability at its core, acting as a true “IDI supplement”. It preserves doctors’ choice in managing many aspects of their disability and return to work.

No Surprises
Spare your physician clients from surprises at claim time. Give them the insurance physicians expect. Call me to discuss how the incomeprotect IDI supplement approach can benefit your doctor and dentist clients.

Kindest Regards,
 

Vince Pappadato
Regional VP of Sales
Pacific Southwest Territory
Medical Group Insurance Services, Inc.
MOBILE 310-508-0259
vince.pappadato@mgis.com | mgis.com
 

MGIS is a leading national insurance program manager experienced in building and managing specialized programs for medical professionals. We partner with the highest rated insurers and focus on group disability and life for medical practices of all sizes, types, and specialties. Insurance policies managed by MGIS are backed by Sun Life Financial. We work exclusively through select brokers and benefit advisers. 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).


Founded in 1865, the Sun Life Financial group of companies serves millions of customers in 24 countries world-wide. Our insurance companies in the U.S. are leaders in stop-loss and employee benefits, providing our customers with a wide range of disability, life, dental, accident, and critical illness insurance products.

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.

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. This coverage does not constitute comprehensive health insurance (often referred to as “major medical coverage”) and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act.

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. Product offerings may not be available in all states and may vary depending on state laws and regulations.

©2018 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
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