Top Ten Reasons to Select IDI Supplement Physician Group Disability Insurance
- UP TO $10,000 IN MONTHLY BENEFIT AS GUARANTEE ISSUE!
- Acts as a supplement to physician Individual Disability Insurance (IDI)
Not a traditional group LTD - Attractive IDI-style benefits on a group platform
- Built specifically for physicians
Protects their specialized needs; excludes what may hurt them at claim time.
- Protects the work physicians actually perform
Disability is defined as being unable to perform the actual medical procedures a physician has done the last 12 months, similar to IDI "your job" definition (an "own occ" definition is not used).
- Protects physicians' unique partial disability needs
- No benefit reduction for 24 months - up to 100% of pre-disability earnings allowed
- "Best of both worlds" partial benefit after 24 months
- No reduction for income earned prior to disability but paid afterwards - typical situation for physicians
- Excludes traditional features that are harmful to doctors at claim time
While sufficient for other workers and professions, these are never included in our policies.
- Non-specific definition of occupation and duties
- No offsets for lagged income
- International travel/residency restrictions
- Part-time work requirement
- Maximum capacity language
- Mandatory rehabilitation
- 40-hour work week limit
- Self-reported symptom limitations
- 24-month lifetime aggregate mental illness & substance abuse limits
- Recommended treatment requirement
- Provides special benefits for older physicians
Typically pays benefits for 6 months longer than most other group LTD carriers for physicians age 63 and older
- Delivers elite service from experienced teams exclusively focused on physicians
One insurance-licensed account manager assigned to each medical practice. A deep understanding of physician practices in general and each customer individually
- Standalone claims team exclusively focused on physician group LTD claims
Highly experienced; Understands the nuances of physician disabilities and income.
- Offers optional specialized benefits that fill crucial coverage gaps for physicians
- Protect against patient defections due to infectious and contagious diseases
- Replace income that lags when ramping-up patient load after disability
- Protect against declining income due to progressive illnesses like Parkinson's
- Business Overhead protection for the physician and practice
- Replace pension contribution to protect retirement income
- Special protection against loss of ADL capabilities
- Maintain benefit purchasing power through COLA adjustments
- Extra benefit to pay the tail on Med Mal Premium after total or partial DI
- Extra payment for sudden, extended hospital stays
- EXLUSIVE PHYSICIAN/DOCTOR FOCUS - NOBODY ELSE HAS SHOWN YOU THIS
Drives expertise and advocacy ahead of trends for physician needs. For example: Multi-practice programs and hospital carve-outs
Doctor Disability Plans
