University of Michigan Hospital

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 HOA to provide income protection during your training and upon completion. 

 

Coverage While In Training

Group Long Term Disability Insurance (LTD)

  • Coverage provided by University of Michigan to all active House Officers
  • 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

LTD Plan Booklet
Claim Form

 

Individual Disability Insurance Options to Supplement Your Group LTD

  • Individual policy; fully portable
  • Premiums paid by House Officer; benefits received are tax-free
  • Guarantee Issue insurance without evidence of medical insurability*
  • Own Occupation Specialty definition of disability
  • HOA unisex rates and level premiums that are guaranteed for the life of your policy
  • 90 day elimination period
  • Benefit paid to age 67

NEW RATES COMING SOON

 HOA Resident Plan

  • $1,000 or $2,000 monthly benefit
  • Available anytime during your residency until your final year of training
  • Guarantees access to the Graduate Plan your final year of the HOA program
     

HOA Fellow Plan

Guaranteed Benefit Up to $10,000/month

  • $2,000 monthly benefit with $8,000 Future Purchase Option
  • Available to existing Fellows, when you accept a fellowship with the HOA, or another institution
  • Catastrophic Disability Benefit rider available
  • Guarantees access to the Graduate Plan your final year of the HOA program

Coverage When You Graduate

Individual Disability Insurance Option to Take with You

HOA Graduate Plan

Guaranteed Benefit Up to $15,000/month

  • $3,500 or $5,000 monthly benefit with $10,000 Future Purchase Option
  • Available to Residents or Fellows through the year you graduate and 60 days after
  • Catastrophic Disability Benefit rider available


Easy to apply - call Lisa at 248.649.4100 to receive an application using DocuSign technology. 

 

Informational Video
 
 
 
Michael D. Flynn, CLU
Disability Plan Consultant
248-649-4100 – office
248-761-9426 – cell
 
Lisa Opalewski
Senior Case Manager
lopalewski@flynnbenefits.com
248-649-4100, Ext. 345

 

*To be eligible to apply for the Guaranteed 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 disability insurance with any carrier in the past 7 years.  This information is a general description of the Guarantee Issue Individual disability insurance and is not a contract.


 All guarantees subject to the claims paying ability of the issuing insurance company.