Individual Disability Insurance
DISABILITY INSURANCE
For Physician members of Southern Medical Association
DISABILITY INSURANCE CAN HELP PRESERVE YOUR STANDARD OF LIVING AND ENSURE YOUR FUTURE. IT GOES TO WORK WHEN YOU CAN’T.
What is your greatest asset: Your home? Your Practice? They are both vital to your lifestyle, and they are the result of your most valuable asset – your ability to earn an income. If you become too sick or hurt to work, what would happen to everything you have worked so hard to build for yourself, your family and your future?
INDIVIDUAL DISABILITY :
- Up to $15,000 maximum monthly benefit available (based on occupational class)
- Own Occupation definition for the entire benefit period (based on age, state of residence and occupational class)
- Medical Specialty letters available for all AMA approved specialties
- Premiums guaranteed not to increase for the entire coverage period
- Contracts are portable
- 15% Association discount (based on state of residence and occupational class)
- DISABILITY OVERHEAD EXPENSE:
- Maximum Issue and Participation Limits up to $30,000 (Except CA)
- All medical specialties qualify for a 5AP (Union Central’s top occ class) for Disability Overhead Expense, resulting in our lowest premiums.
- Substitute Salary Expense Rider helps pay the expenses incurred to employ another person to perform the duties you would otherwise perform had you not become disabled.
- Premiums guaranteed not to increase to age 65
- 15% Association discount
For More Information Contact:
Terri Carroll
Financial Services Division
SMA Services Inc.
35 W. Lakeshore Drive
Birmingham, Alabama 35209
800-423-4992 ext. 170
tcarroll@sma.org
