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Portable Disability Insurance Solutions

for healthcare professionals and institutions

The Leading Provider of Guaranteed Issue Disability Insurance Programs

Gaps in Coverage Aren’t Your Employer’s Fault

Institutions

Medical schools, teaching hospitals, and large practices can create opportunities for their healthcare professionals to protect their incomes without having to worry about being denied due to a medical condition.

Individuals

We help physicians identify and define Individual coverage that can fill in the gaps in an employer’s disability insurance benefit plan to better protect current and future income.

Practices

Physicians in private practice can insure the ability to fund ongoing business expenses during a claim, buy out a disabled partner, and protect their employees

A little bit about us

We help healthcare professionals, medical schools and healthcare institutions secure comprehensive disability insurance coverage to protect your income, student loans, business obligations and retirement dreams.

Wondering just how protected you really are?

In-Practice Income Protection Calculator

House Staff Income Protection Calculator

Things to Consider

10 Financial Wellness Issues Graduating Residents and Fellows need to Consider

7 Things Graduating Medical Students Need to Know About Financial Wellness During Their Residency

5 Questions a School Should Consider About Their Students’ Protection

We do love a good quote

“InsMed was able to identity and introduce a voluntary offering at allowed our highly compensated professionals to more completely protect their incomes without having to worry about being denied because of an underlying condition. “

Med Student

“InsMed’s ability to create and implement a comprehensive communication that didn’t disrupt the day-to-day training requirements of our residents went well beyond our expectations. “

Institution

“I was very pleasantly surprised by how InsMed’s customer service team continued to seamlessly support me as I changed employers during my training. “

Institution

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Portable Disability Insurance Solutions

for healthcare professionals and institutions

Professionals We Serve

Institutions

Individuals

Practices

A little bit about us

Wondering just how protected you really are?

In-Practice Income Protection Calculator

House Staff Income Protection Calculator

Things to Consider

10 Financial Wellness Issues Graduating Residents and Fellows need to Consider

7 Things Graduating Medical Students Need to Know About Financial Wellness During Their Residency

5 Questions a School Should Consider About Their Students’ Protection

We do love a good quote

Did you know?

The “guaranteed right” to increase the benefit amount of an individual policy will be reduced as you age.

Contributions cannot be made into a qualified retirement account in the event of a disability

Graduating physician who are entering practice can obtain coverage that’s greater than their actual earnings

Business overhead expense policies can cover hiring a locum tenens

The premiums paid by a practice owner for a policy that insures their ongoing business expenses is 100% tax deductible

Most employer provided long term disability coverage will require you to be out for as long as six consecutive months in order to qualify for benefits

Voluntary offerings to large healthcare populations can be offered without medical underwriting and permanently discounted rates.

Residents and fellows can insure 100% or more of their incomes during training

Taking medication or seeking counseling to manage stress can affect your ability to secure coverage

Rates and provisions of individual policies are guaranteed not to change until the age of 65. The same isn’t true for group or association coverage.

Group insurance policies usually only protect base salary

Individual policies can be used to raise the income placement percentage and maximum monthly benefit for employed physicians and executives

If your employer provides you with long term disability coverage for free, any benefit amount provided during a claim will be taxed.

Residents and fellows can forfeit their right to a teaching hospital’s “guaranteed issue” coverage if they apply elsewhere and are denied due to medical conditions

Medical underwriting can be waived when a practice purchases individual policies as part of its benefit package

Some policies that insure student loan obligations require the insured to be out completely and not be expected to return to work ………ever.

Group long term disability policies can be obtained by practices with fewer than 10 full time employees

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