Henry Ford Health System

Flynn Benefits Group has worked with Physicians at Medical Centers for over 25 years.  We service House Officers from Detroit Medical Center, Henry Ford Health System, and University of Michigan continure to support them nationwide throughout their careers.

House Officers Long Term Disability Insurance Program


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

  • Premiums paid by GME; 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
  • Insurance Carrier - Unum

LTD Plan Booklet
Claim Form


Individual Disability Insurance (IDI) - Supplemental & Portable Options

  • Premiums paid by House Officer; benefits received are tax-free
  • Guaranteed Standard Issue* - without evidence of medical insurability
  • Medical speciality coverage regardless if working in another occupation
  • Up to $15,000 monthly benefit with income verification
  • Discounted level premiums
  • Unisex rates
  • Portable coverage that you take with you throughout your career
  • Temporary Visa holders are eligible for this coverage
  • Insurance Carrier - Standard Insurance Company





PATRICK FLYNN - HFHS Disability Plan Consultant
pflynn@flynnbenefits.com  |  248.458.3346

LISA OPALEWSKI - Senior Case Manager                         GINA CHASE - Client Relations Manager
lopalewski@flynnbenefits.com  |  248.458.3345                   gchase@flynnbenefits.com | 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.