*Worldwide Air Medical Evacuation and Repatriation to the hospital of the member’s choice. *Air Medical Transportation to a Specialty Hospital. 24/7 Medical Services Hotline. Security Assessments and Foreign Travel Advisories from our 24/7 Communications Center for up-to-the-minute global threat assessments. Legal Referrals: If a member requires emergency legal assistance away from home, AirMed will arrange without charge to the member an initial telephone consultation with an appropriate attorney. Transport of Mortal Remains

Fully managed recovery services that protect up to three generations of your family. Mobile phone protection services. VPN (virtual private network) encryption. Lost document replacement services. An expense reimbursement plan that fully covers unauthorized electronic transfers of funds. A personal credential vault for user IDs and passwords. Three bureau credit monitoring. Dark web monitoring. SSN and address change monitoring. Criminal records monitoring. Score tracker

Individual disability insurance is your primary coverage and should include a true own-occupation definition. If totally disabled, it provides a physician with the flexibility to be gainfully employed and still receive total disability benefits.

Group disability insurance through SMA is NOT tied to your employment, Having group insurance can supplement your individual policy which is the most important to have.