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Disability Income Insurance

Disability Insurance is a practical and economical way to help protect you and your family in case of a disability. If for some unforeseen reason, you should become disabled and unable to perform your medical specialty, our disability insurance plans will help you replace your lost income. Our plans are underwritten by Hartford Life and Accident Insurance Company, offered exclusively to physicians, and are available only through American Physicians Insurance Trust. We currently have a Disability plan to help meet your needs as a Physician:

Long Term Disability Plan Highlights

  • Own Occupation:  You will be considered Totally Disabled if you cannot perform the essential duties of Your Occupation.  Your Occupation is defined as the general or sub-specialty in which you are practicing.
  • Monthly benefit amounts up to $10,000* a month for applicants under age 50; $7,500* for applicants between ages 50 and 54; and $5,000* for applicants between ages 55 and 59, all within $100 increments.
  • Benefits are payable to age 65 for a covered Sickness or Injury or 24 months for covered Sickness or Injury after age 63.  Benefits will begin after a 90 day Waiting Period.
  • Competitive group rates. (download the PDF for rates)
  • You may insure up to 60% of your Basic Monthly Pay, less other plans that you may have through an employer.
  • Waiver of Premium Provision: Premium will be waived after you have been Totally Disabled for 6 months.  Premium will be waived until the Total Disability Benefit is no longer payable.
  • For complete plan highlights, please download this PDF.

* On the premium due date on or next following the date you attain age 65, your Monthly Benefit Amount will not be greater than $1,000, with an appropriate adjustment in premium.

5 Year Plan Highlights

  • Own Occupation:  You will be considered Totally Disabled if you cannot perform the essential duties of Your Occupation.  Your Occupation means your occupation as it is recognized in the general workplace.  Your Occupation does not mean the specific job you are performing for a specific employer or at a specific location.
  • Monthly benefit amounts up to $4,000** a month in $100 increments.
  • Benefits are payable for up to 5 years for Total Disabilities incurred prior to age 66; 4 years for Total Disabilities incurred at age 66; 3 years for Total Disabilities incurred at age 67; 2 years for Total Disabilities incurs at age 68.
  • No coordination of benefits clause.  This means you can layer this plan on top of any other Total Disabilities plans you might have in force.***
  • You can insure up to 60% of your Pre-Disability Earnings, regardless of any other plans you have in force.
  • This plan offers a 60 day and 90 day Elimination Period (whichever you prefer).
  • Competitive group rates. (download the PDF for rates)
  • For complete plan highlights, please download this PDF.

** Benefits are reduced to 50% at age 65 with an appropriate adjustment in premium rate.

*** Whereas our benefits will be paid in addition to any existing coverage, you may want to check with your other disability income insurance plans (if you have any) to determine if they have any conflicting restrictions that may apply to them.

Our disability plans are available in the following states:  AL, AK, AZ, AR, CA, CO, CT, DE, GA, HI, IL, IN, IA, KS, KY, MA, MI, MS, MO, NE, NV, NH, NJ, ND, OH, OK, RI, SC, TN, TX and WI.  This plan is not available for anesthesiologists.

When you are ready to apply for our disability insurance plan, click on “Request Application” at the right to apply. We will send you an Application along with rate information.

Click here to view the Notice of Insurance Information Practices.

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(866) 750-6053