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Thirty percent of Your Doctor Client Injuries Not Covered?

Research shows that 30% of physician disability injuries involve musculoskeletal and connective tissue issues.1 Amazingly, many disability insurance carriers limit benefits for this type of claim to only two years. Would that be acceptable to your physician clients?

This is just one of many potential managed disability provisions found in traditional LTD policies not designed specifically for doctors. These limitations allow a carrier to prematurely terminate a claim or reduce expected benefits. This may include:

  • Mandatory rehab or part-time work
  • Ending benefits when the doctor can work 40 hours per week
  • Limiting or ending benefits when the CARRIER THINKS the doctor can work more
  • Lifetime limits on mental and nervous disabilities

A quick check of your physician clients’ policies might be in order. I’d be happy to help with an audit. Our IncomeProtect policies don’t contain many of the restrictive provisions that can harm doctors at claim time.

Give me a call and let’s discuss how our IDI-Supplement program can help get your physician clients the coverage they need—the insurance physicians expect.

1Disability Benefits Help. Muskuloskeletal Disorders and Social Security Disability. Accessed August 2017.

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.

GGEL-PHY-6956            SLPC 28523 08/17 (exp. 08/19)

© 2017 The MGIS Companies, Inc. |

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