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Beth Israel Deaconess Medical Center

Own Specialty Disability Insurance Enrollment Discount

Enrollment Deadline 10/30/2020

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Beth Israel Deaconess Medical Center
Physician Disability Enrollment Request

Understanding Enrollment

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 Beth Israel Deaconess Medical Center 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 Beth Israel Deaconess Medical Center.  In order to qualify for this discount, you must either be employed by or have staff privileges at BIDMC at the time you apply for coverage.  

Beth Israel Deaconess Medical Center Physicians Exclusive Own Specialty Enrollment

Own Occupation Disability Insurance (Specialty Specific or Regular Occupation) 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 Insurance doesn't cut it.

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 six insurance carriers: Ameritas – Guardian – MassMutual – 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 a Beth Israel Deaconess Medical Center physician, you are eligible for and exclusive affiliation discount which could save you up to 50% a year off your “True” Own Specialty Disability Insurance policy.

Temporary COVID-19 No Exam

Normally, in order to purchase any amount of Own Specialty Disability Insurance, you would need to complete an in-person medical exam.  As a result of the COVID-19 quarantine and social distancing restrictions, you can now take advantage of your Beth Israel Deaconess Medical Affiliation Discount without having to complete a medical exam. 

Physicians 45 and under can purchase up to $10,000 per month with Future increase options without an exam.  Physicians 46 and older may purchase up to $6,000 per month with Future Increase Options without an exam.

Only Six Disability Carriers Offer True Own Specialty Disability Insurance to Physicians

Ameritas
Guardian
Mass Mutual
Ohio National

AND MORE…

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