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Text Content

 * 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



21
days
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02
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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


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