Enrollment Deadline 10/30/2020
Advent Health Physician Disability Enrollment Request
InsuranceMd is an independent insurance agency that works exclusively with insurance carriers that offer “True” Own Specialty Disability Insurance solutions to physicians. Currently, only 7 carriers offer True Own Specialty Disability Insurance to Physicians (Ameritas, Guardian, MassMutual, Mutual of Omaha, Ohio National, Principal, and The Standard).
Through InsruanceMD and our direct relationship with one or more of the carriers listed above, we have established an exclusive discount for all physicians affiliated with Advent Health which can save you up to 50% a year off your Own Specialty Disability premiums. This discount is not being offered nor is it sponsored by Advent Health. In order to qualify for this discount, you must either be employed by or have staff privileges at Advent Health at the time you apply for coverage.
Advent Health Physicians - Exclusive Own Specialty Disability Enrollment
Own Occupation Disability Insurance (Specialty Specific or Regular Occupation) It provides a definition of “Total Disability” in which you are eligible to receive your “full” benefit if a sickness or injury prevents you from working in your “Regular Occupation.” You will still be considered “Totally Disabled” and eligible to receive your “full” benefit even if you elect to work in another occupation, regardless of the income you earn.
Employer-Sponsored Long Term Disability Is NOT Own Specialty
Group Coverage is taxable and may not allow you to collect your full benefit if you elect to work in another occupation. True Own Specialty Disability Insurance is only available through seven insurance carriers: Ameritas – Guardian – MassMutual – Mutual of Omaha – Ohio National – Principal – The Standard.
If you have a disability plan through the AMA or Northwestern Mutual, then you may not be Truly covered.
As an Advent Health physician, you are eligible for and exclusive affiliation discount which could save you up to 50% a year on your “True” Own Specialty Disability Insurance.