Attendings: Disability Insurance Program
We believe the most valuable asset that you have is your ability to generate income throughout your career, making individual disability income insurance in a non-cancelable policy a cornerstone of a sound financial strategy. Individual disability income insurance provides a monthly benefit (possibly tax-free) if you are unable to work for an extended period of time due to sickness or injury. At Corto Financial Group, LLC we are able to offer significantly discounted own occupation physician specific disability policies from the 5 major carriers - Principal, Ameritas, Guardian, MassMutual and Standard. Based on your gender, specialty, current health status and the Hospital you currently have privledges with, we will be able to determine which carrier is the best fit for your personal circumstances and goals. You will be able you are able to lock into excellent policy definitions, fixed rates, and significant discounts.
The main features are as follows:
- Possible Guaranteed Issue based on training Hospital (up to 15k of coverage with no medical underwriiting).
- Own-Occupation Rider specific to your profession and specialty.
- Non-cancelable which means the carrier cannot cancel this policy.
- Discounts up to 30% and the policy is portable until age 65/67.
- Up to $30,000 per month of individual coverage.
- Fixed premiums until age 65/67; additional coverage will increase the premiums for your policy.
- Student Loan Rider available.
- Catastrophic Rider available.
- Protects you in your own occupation (and insurer cannot change the policy terms)
- The ability to increase coverage as your income rises annually (provided insured is not hospitalized, not disabled, and not collecting benefits) without further medical underwriting.
*The information provided is not written or intended as specific tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties
This supplemental individual disability income insurance does not coordinate with your group long term disability coverage. Claim decisions are rendered independently of each other.