Detroit Medical Center

House Officers Long Term Disability Insurance Program
Flynn Benefits Group has worked extensively with Physicians and Medical Centers for over twenty years.  Focusing on the medical market, we service over 3,000 House Officers from Detroit Medical Center, Henry Ford Health System, and the University of Michigan.

Additionally, Flynn Benefits Group services over 3,500 staff and private practice physicians nationwide.

Without income protection, a disability can mean personal economic hardship to any physician.  A special program has been developed for the GME to provide income protection during your training and upon completion. 

Coverage While In Training

Group Long Term Disability Insurance (LTD)

  • Coverage provided by DMC to all active House Officers
  • Premiums paid by DMC; benefits received are taxable
  • Monthly benefit is 60% of monthly salary (maximum $4,000 per month)
  • 180 day elimination period
  • Benefit paid to age 65
  • Employee Assistant Program (EAP)

Certificate and Summary Plan Description
Claim Packet
EAP Info

Individual Disability Insurance Option to Supplement Your Group LTD

  • Individual policy; fully portable
  • Premiums paid by House Officer; benefits received are tax-free
  • Simplified Issue - no lab tests or income documentation required
  • DMC Discount - 10% gender-distinct offered exclusively by Flynn Benefits Group
  • Protection in your medical speciality, regardless if you choose to work in another occupation
  • Residual / Partial disability benefits
  • Benefit Increase Rider (BIR) allows for increases as your income and career grow
  • Family Care Benefit
  • Benefit paid to age 67
  • Monthly Benefit - minimum $1,000, maximum $5,000
  • Optional riders include Inflation Protection, Catastrophic and Student Loan Protection
  • Temporary Visa holders are eligible for this coverage

FEMALE - Features / Benefits / Rates

MALE - Features / Benefits / Rates


Patrick E. Flynn, CLU
Disability Plan Consultant
313.745.4935 – Detroit Office
248.649.4100 – Troy Office
248.890.0748 – Cell

Lisa Opalewski
Senior Case Manager
248.649.4100 ext. 345