Long Term Disability – Our Guaranteed Issue “Own Occupation” Program

Your Income – The Money Machine in the Basement – of all insurance products, why is disability so important to physicians? Simple. Income is a physician’s biggest asset. Most people have life insurance, but if as a physician you’re making an income of $100,000 or higher per year — and you’re going to make that kind of money for the next 20-30 years of your career—we view it as a money machine in your basement.  If that money machine gets broken, you’re not going to make an income. That’s why it’s so important to invest in a solid disability program that protects your income and ensures that you can make that income for the rest of your life.

We have a custom guaranteed issue “Own Occupation” disability program for our Positive Physician members, which provides the following benefits:

  • Up to  $25,000 per month of additional long-term disability (without offsetting any individual LTD coverage)
  • Retirement Continuation – ability to protect your retirement contribution up to $51,000 per year to age 65
  • Malpractice Offset– if partial disability this will pay your Positive premium up to $75,000 max
  • Key Person Payment- pays up to $180,000 for 2 years which can be used to; acquire another physician, offset expenses or apply toward buyout