University of Michigan Hospital


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 and continue to support them nationwide throughout their careers. 

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
  • 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
  • Insurance Carrier - Standard Insurance Company

 

DETAILS AND RATES

 

SCHEDULE A VIRTUAL APPOINTMENT

 

REQUEST AN APPLICATION

 

WE ARE YOUR RESOURCE FOR DISABILITY INSURANCE


MICHAEL FLYNN - UM HOA  Disability Representative
mflynn@flynnbenefits.com  |  248.458.3344

GINA CHASE - Client Relations Manager                        LISA OPALEWSKI - Senior Case Manager
gchase@flynnbenefits.com  |  248.458.3352                    lopalewski@flynnbenefits.com | 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.