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.
Group Long Term Disability Insurance (LTD)
- Coverage provided by HFHS to all active House Officers
- Premiums paid by HFHS; 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
LTD Plan Booklet
Claim Form
Individual Disability Insurance Options
- Premiums paid by House Officer; benefits received are tax-free
- 90 day elimination period
- Own Occupation specialty definition of disability
- Benefit paid to age 67
- Inflation Protection
- Guarantee Issue insurance without evidence of medical insurability*
- HFHS unisex rates and level premiums that are guaranteed for the life of your policy
- Residual / Partial disability benefits
- Family Care Benefit
- Temporary Visa holders are eligible for this coverage
- Fully portable
Features / Benefits / Rates
Patrick E. Flynn, CLU
Disability Plan Consultant
pflynn@flynnbenefits.com
248.649.4100 – Office
248.890.0748 – Cell
Lisa Opalewski
Senior Case Manager
lopalewski@flynnbenefits.com
248.649.4100 ext. 345
*To be eligible to apply for the Guaranteed Standard Issue Individual Plan you must be actively at work in a resident/fellow program; not currently on claim or been on claim or submitted a claim within the prior 12 months of application; and not declined or postponed for individual disability insurance with any carrier in the past 7 years. This information is only a brief summary of contract provisions and does not reflect exact contract language. This policy has exclusion and limitations and terms under which the policy may be continued in force or discontinued.
