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While M.D.
Disability Insurance Services
stands ready to assist
you in selecting and implementing
the right coverage for
you, for those interested
in learning more on your
own, we’ve provided
this section to give you
an understanding of the
kinds of coverage, benefits
and restrictions which
may apply.
Simply
click on each category
to learn more
Definitions
of Disability,
This is what determines
if your are disabled and
what happens if you return
to work in another area
of medicine or in another
occupation all together.
Policy
Options:
There are a variety of
disability plans from
which you may want to
choose. Each is designed
for specific circumstances
which may or may not have
relevance to your needs.
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Business
Overhead Expense
Disability:
Business Overhead
contracts are put
in force to protect
you, your partners,
and your business
in case you are
unable to perform
the material and
substantial duties
of you specific
medical specialty.
Disability
Buy Out:
Disability Buy Out
is one of the most
underutilized disability
contracts in the
market place.
Key
Person Disability:
Disability Contract
that allows for
a company to place
a contract on a
Key employee that
would pay a benefit
to the company if
that Key person
was unable to do
their job due to
a disability.
Group
Disability:
Group policies are
the weakest of all
contacts in the
market place due
to the definition
and the fact you
usually only end
up with a 1 or 2
year rate guarantee
and then the premiums
can fluctuate as
the carrier sees
fit.
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Association
Policies:
These policies are offered
from different affiliated
groups to their members.
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