Detroit Medical Center

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 Program


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

  • 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 (IDI) - Supplemental & Portable Options

  • Premiums paid by House Officer; benefits received are tax-free
  • DMC 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
  • Temporary Visa holders are eligible for this coverage 
  • Guarantee Issue insurance without evidence of medical insurability*

Features and Rates

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


Sign Up


(Alternate dates and times available upon request)



PATRICK FLYNN - DMC Disability Plan Consultant  |  248.890.0748

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


*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.