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Making a $1 Million Dollar Retirement Difference for Disabled Physicians and Dentists

Well planned pension contribution coverage can make literally millions of dollars’ worth of difference at retirement age for disabled physicians and dentists – an aspect of their financial planning that is sometimes overlooked.

As part of the IDI supplement value story,* the IncomeProtect long-term disability insurance can include the Pension Contribution Benefit to round out a coverage plan with the potential to improve chances for a financially comfortable retirement, despite a disabling event earlier in a career. How often do you get the opportunity to demonstrate differentiated potential benefits for these high-income earners?

A $1 Million + Difference

Check out this example** of a physician disabled at age 49 who had IncomeProtect LTD insurance with a Pension Contribution Benefit in place. The difference in retirement assets available at age 67 vs. not having the benefit is more than $1 million. Then use this handy calculator to demonstrate the potential benefits to your own prospects.

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Find out how your physician and dentist clients can still realize their retirement goals despite a disabling event earlier in their careers. Click here to contact an MGIS RVP.

*Click here to read the article “Changing the Conversation: Position Physician Group LTD as an ‘IDI Supplement’ for High Closing Rates”.

**Hypothetical scenario for illustrative purposes only. Actual results may vary.

Note: The IRS has qualified retirement plan requirements that may apply to this rider. Thus, we advise that employers consult with their plan advisor about any plan qualification tax issues related to plan contributions being made from this rider and whether the plan must be amended to accept payments under this rider.

© 2016 The MGIS Companies, Inc. |

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Optional benefits are available at an additional cost.

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-GP-01, and 12-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-LTD-C-01-MGIS, 13-STD-C-01-MGIS, 13-ADD-C-01-MGIS, 13-GP-LF-01, 13-LF-C-01-MGIS, 12-GPPort-01, 13-LFPort-C-01, 13- ADDPort-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.

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.

Producer use only.

© 2016 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

GLTDOT-PHY-6153.em | SLPC 27668 | 8/16 (exp. 8/17)