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Submission: On April 20 via manual from US — Scanned from US
Effective URL: https://ssminsureincome.corpfi.com/
Submission: On April 20 via manual from US — Scanned from US
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* Review My Offer * Top Reasons to Enroll * FAQs Schedule Call ✕ WELCOME TO THE PHYSICIAN AND EXECUTIVE SUPPLEMENTAL INCOME REPLACEMENT PORTAL GET UP TO 50% MORE INCOME TAX-FREE. REVIEW MY OFFER ENROLL NOW DEADLINE TO ENROLL IS FRIDAY, APRIL 28TH, 2023 08 days : 08 hrs : 50 mins : 21 secs This Benefit Will Not Be Offered at Open Enrollment. Apply Early. THREATS TO YOUR FINANCIAL SECURITY WHAT ARE THE ODDS OF A DISABLING INJURY OR ILLNESS? You probably insure your home, your car, and other personal assets. But what about the income that provides those assets? You might be surprised to learn what poses the greatest threat to most people during the course of one year. CONSIDER THESE STATISTICS: DID YOU KNOW: 48% of all home foreclosures are the result of disability or illness, while only 3% of all foreclosures result from death. DID YOU KNOW: During the course of your career, you are three and a half times more likely to be ill or injured, and need disability coverage, than you are to die and need life insurance. DID YOU KNOW: Approximately one in seven can expect to become disabled for five years or more. ARE YOU PLANNING A LONG VACATION? You probably plan ahead, even for a short vacation. But, you may not have planned ahead for an unexpected “vacation”… a long-term disability. The conditions listed below could leave you unable to work. DISABILITES HAVE MANY CAUSES Back Disorder, Injury, Disease of Joints, All Others. Nervous System Disorder, Mental Nervous, Substance Abuse. Cancer, Circulatory System Disorder, Fractures (except back). DISABILITIES PLAY NO FAVORITES With Disability Income Insurance, you can feel secure in knowing that you are protecting your most valuable asset - your ability to work and earn an income. Avoid the financial strain a sickness or illness can cause when you're sick or hurt and can't work. The causes of disability may surprise you! INCOME PROTECTION CALCULATOR PLEASE USE OUR INCOME PROTECTION CALCULATOR Your retirement age - Your age now x Your estimated monthly salary x 12 = $0 This is your total estimated earnings until you retire This figure will likely be substantially larger if you receive annual increases. UNEXPECTED COSTS REASONS TO OBTAIN SUPPLEMENTAL INCOME 1 NO MEDICAL UNDERWRITING No physical exams, labs, medical records or lengthy applications required. 2 DISCOUNTED RATES This plan offers rates that are discounted 15 to 25 percent. 3 NO INCREASE Once issued, your premiums will never increase. 4 CAN INCREASE PROTECTION You can increase protection as your income rises, with income verification only. 5 FULLY PORTABLE Your coverage is fully portable. You can take it with you wherever you practice. EACH PLAN INCLUDES * Premium Waiver Benefit * Benefit Increase Rider * Presumptive Total Disability Benefit * Noncancelable and Guaranteed Renewable to Policy's Termination Date * Rehabilitation Benefit * Own Occupation Rider * Enhanced Residual Disability Rider with Recovery Benefits FAQS 1I already have disability insurance through SSM. Should I still consider this insurance? Yes, for three reasons: First, the monthly benefit amount paid through employer-sponsored disability insurance is likely to be taxable, reducing the true amount of protection the coverage provides. In contrast, the benefits of this plan could be free of income tax when you pay the premiums with your own, after-tax dollars. Consult your tax advisor. Second, over time your income has probably increased, and the level of protection you now carry may no longer be enough to help cover the living expenses that would continue should you become disabled. Using this plan to increase your total coverage can help you avoid having to deplete savings and investments intended for other purposes, including retirement. Third, unlike many employer-provided plans, this coverage is yours to keep without interruption, even if you change jobs or become self-employed. This plan adds an extra layer of protection that you control and it can move with you throughout your career. 2Why should I apply for coverage? SSM has partnered with Guardian Life to provide supplemental income coverage to their Physicians and Executives Advantages: * Replaces income that is not covered because of the group disability monthly cap * Replaces income that may be lost due to taxes with the group disability plan * No Medical underwriting- Guarantee Issue (No physician exams, lab medical records, or lengthy applications). * You can increase your protection (Monthly Disability Amount) Every year as your income rises. No medical information required, only income verification. * Rates are discounted from 15% to 25% * Once issued your premiums do not increase * Your coverage is fully portable. You can take it with you wherever you practice Since 1860 Guardian has been committed to serving the insurance needs of their clients. Through their wholly owned subsidiary Berkshire Life they offer high-quality, competitive coverage designed to meet the unique needs of physicians and executives nationwide. This affords physicians and executives the buying power to secure competitive rates and focused coverage you won’t find anywhere else. Consistently high financial ratings mean that Guardian – Berkshire will be there when you need them most. 3What does own specialty definition mean? Some disability plans limit their definition of 'total disability' to the inability to work in any occupation. This means you might not be eligible for benefits if you are sick or injured but still able to work in another profession. Other plans may include an own-occupation definition of disability, meaning that you might not be eligible for benefits if you were able to perform any physician job in the field of medicine, even though you were no longer able to carry out the duties and responsibilities of your medical specialty. This plan contains a preferred definition of disability, called own-specialty, that is so important for physicians. It means you are eligible to receive benefits if you’re unable to perform the duties of your own medical specialty – not just any job or some other job in the medical profession. 4Enhancement for doctors providing Hands-on Patient Care If Your Occupation is limited to a Medical Doctor (M.D.) or Doctor of Osteopathy (D.O.) and more than 50% of Income is earned from providing Hands-on Patient Care, we will consider You to be Totally Disabled even if You are Gainfully Employed in Your practice or another occupation so long as, solely due to Injury or Sickness, you are not able to provide Hands-on Patient Care. If 50% or less of Income is earned from performing Hands-on Patient Care, we will consider You to be Totally Disabled if You satisfy the definition of Total Disability above. Hands-on Patient Care means meeting with a patient in a clinical setting for the purposes of providing medical advice, evaluation, diagnosis, or treatment, that You regularly and personally provide during the 12 months prior to Your Disability. 5Your Occupation Definition Your Occupation means the occupation (or occupations, if more than one) in which You are Gainfully Employed during the 12 months prior to the time You become Disabled. Your Occupation does not mean a specific job title, designation, industry, or job with a certain employer. If You have limited Your Occupation to the performance of the material and substantial duties of a single medical specialty, we will deem that specialty to be Your Occupation. 6As my salary increases can I increase my coverage? How often? Yes, you are able to increase your coverage each year as your salary increases without medical underwriting. If you turn down three increases, Guardian will no longer make the increases available. 7If I leave my employer can I take the coverage with me? Yes, you are able to take the coverage with you. Notify Guardian and they will bill you directly. You are also eligible for Enhance Portability Option (EPO) which allows you to have a one-time opportunity to increase your coverage to the maximum GSI (Guarantee Standard Issue) limit with no medical underwriting. You will have to be financially underwritten to exercise the EPO. 8How long will my benefits last? That depends on your age at the time the disability begins. Please see the chart: 9Who is the underwriter for this plan? Guardian Insurance Company, since 1860 Guardian has been committed to serving the insurance needs of their clients. Through their wholly owned subsidiary Berkshire Life they offer high-quality, competitive coverage designed to meet the unique needs of physicians and executives nationwide. This affords physicians and executives the buying power to secure competitive rates and focused coverage you won’t find anywhere else. Consistently high financial ratings mean that Guardian – Berkshire will be there when you need them most. GET YOUR PERSONALIZED DISABILITY INCOME PROTECTION NOW This program is being administrated by Corporate Financial, Inc., an independent professional brokerage firm helping busy executives and physicians simplify complex financial matters, build wealth, and protect their financial future. As a busy physician or busy executive, your schedule can be very demanding and carving out time to address your insurance needs might be challenging. Our specialists are here to help make that process easier and to help you select the coverage that meets your unique needs. This program is being administered by Corporate Financial, Inc. REVIEW MY OFFER ENROLL NOW Have Questions? 1-877-888-9690 Copyright © Corporate Financial - All rights reserved. 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