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If you look closely at many of the group long-term disability (LTD) plans marketed to doctors and dentists you will probably find yourself scratching your head. Many of those plans have provisions that would rarely -- if ever -- benefit physicians, such as:

  • Mandatory rehabilitation
  • Work week limits
  • Recommended treatment requirements
  • Self-reported symptom limitation

When you look at the MGIS IncomeProtect® “IDI supplement” policy you will not see provisions like these. We never include such restrictions in our policies because frankly, they don’t make sense for physicians.

Instead of focusing on restrictions, we focus on providing the best income-replacement coverage for physicians--we provide insurance physicians expect. Our products help doctors and dentists maintain their income and lifestyle even after experiencing a disability.

Watch this week's video to learn what else is hiding in most other group LTD plans.


Your MGIS Team

P.S. Are you worried your clients may face a coverage gap? Send us any of your past proposals today to see how IncomeProtect® IDI supplement could benefit your clients.

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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