The Nation's Leading Provider of Guaranteed Issue Disability Insurance Programs

The Nation's Leading Provider
of Guaranteed Issue Disability Insurance Programs

Our focus has always been on helping healthcare professionals secure comprehensive and relevant income protection without worrying about being denied to a current or pre-existing health condition.

For more than 30 years we have helped medical schools, teaching hospitals, faculty programs and practices of all sizes identify and secure “guaranteed issue” protection for tens of thousands of healthcare professionals across the country.

If you represent a healthcare institution and would like to learn more about how you can guarantee your healthcare professionals the ability to protect their current and future earnings please provide the requested information requested below.

Fill out the form below and an InsMed representative will be in touch.

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The Nation's Leading Provider
of Guaranteed Issue Disability Insurance Programs

Did you know?

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

Group insurance policies usually only protect base salary

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

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

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.

Business overhead expense policies can cover hiring a locum tenens

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

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

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

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

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

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

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

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

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

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

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

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