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. Specializing in 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 - Disability Insurance.
Coverage While in Training - Group Long Term Disability (LTD) Highlights:
ü Monthly benefit is 66 2/3% of monthly income
ü Benefit Paid to Age 65
ü Resident pays no premium for this coverage
ü No enrollment necessary; automatic with entry into training
Coverage at Completion of Training - Individual Disability Conversion Highlights:
ü $3,500 or $5,000 monthly benefit without evidence of medical insurability or income verification; additional $7,500 based on income verification only
ü True specialty specific definition of disability (if you are unable to do your job, the plan pays even if gainfully employed in another occupation)
ü Substantial HOA discounts/unisex rates fixed at current age
ü Residual (Partial), Cost of Living (Inflation), and Catastrophic Benefits included
Michael D. Flynn, CLU
Disability Plan Administrator
248-649-4100 – office
248-761-9426 – cell
Lisa Opalewski
Assistant
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