Craft Income Protection Coverage Suitable for Physicians

Physicians are a highly skilled group that represents 0.29% of our workforce. That’s 761,700 physicians in the U.S. out of 163.5 million workers.¹ Physicians are among the highest paid occupations in our country.

Platinum Advantage Individual Disability Insurance protects your clients’ incomes and financial futures.

Create a Core Game Plan

As people who deal with risk and planning daily, doctors understand creating a strategy. With Platinum Advantage IDI, your clients get the following core coverages to create their income protection plan.

Benefit for Total Disability
Policyowners with a Regular Occupation definition can receive a monthly benefit if they become totally disabled and are not working in another occupation.²

Benefit Increase Rider³
Platinum Advantage provides an option to increase coverage every three years without medical underwriting.

Family Care Benefit⁴
Your clients can receive benefits if they need to take time away from work to care for a child, parent, spouse or domestic partner with a serious health condition.

Other Built-In Features
Policyowners get a range of other features, including Renewable Feature, Rehabilitation Benefit, Automatic Increase Benefit Rider⁵ and more.

Along with core coverage, The Standard offers riders to help enhance policyowners’ protection.

Highlight Unique Value for Clients

When your physician clients select a Platinum Advantage policy, these riders can further protect their lifestyles, financial obligations and incomes.

Own Occupation Rider
Provide the strongest definition of disability for your specialized physician clients. This rider amends the definition of total disability. Policyowners can receive benefits if they become disabled and can’t perform the duties of their medical specialty. But they can still qualify for benefits even if they earn a full income in another occupation without offsetting their benefits.

Student Loan Rider⁶
Physicians with years of training may have large amounts of educational debt. They can protect their financial interests with the Student Loan Rider. This rider reimburses student loan payments, on top of the basic monthly benefit, should a policyowner become seriously ill.

Physicians are a small piece of the employment pie with large earning power. As skilled critical thinkers, they can take part in creating a comprehensive plan to protect their financial future. Share the Protect Your Income flyer with your client and start a conversation.