University of Michigan Hospital

Flynn Benefits Group has worked with Physicians at Medical Centers for over 25 years.  We service over 3,000 House Officers from Detroit Medical Center, Henry Ford Health System, and University of Michigan and more than 3,500 staff and private practice physicians nationwide. 

House Officers Long Term Disability Insurance Plan

Link to UM HOA Disability Plan Video

Group Long Term Disability Insurance (LTD) – Coverage During Your Training

  • Premiums paid by University of Michigan; benefits received are taxable
  • Monthly benefit is 66 2/3% of monthly salary (maximum $4,000 per month)
  • 180 day elimination period
  • Benefit paid to age 65
  • 5 year occupation definition of disability; any gainful occupation thereafter
  • Cost of living adjustment – 4%
  • No limitation for mental illness and/or substance abuse

LTD Plan Booklet
Claim Form

Individual Disability Insurance (IDI) – Supplemental & Portable Options

  • Premiums paid by House Officer; benefits received are tax-free
  • HOA unisex rates and level premiums that are guaranteed for the life of your policy
  • 90 day elimination period
  • Benefit paid to age 67
  • Own Occupation specialty definition of disability; regardless of work performed in another occupation
  • Guaranteed Issue insurance without evidence of medical insurability*

Features and Rates


Questions? Call, email, or click to schedule a virtual appointment:

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(Alternate dates and times available upon request)



MICHAEL FLYNN - UM HOA  Disability Representative  |  248.761.9426

GINA CHASE - Client Relations Manager                        LISA OPALEWSKI - Senior Case Manager  |  248.458.3352           | 248.458.3345


*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 exclusions and limitations and terms under which the policy may be continued in force or discontinued.