Long Term Disability/Short Term Disability Insurance

Group Short-Term Disability Insurance

 The policy (S653911) is insured through Northwestern Mutual Life.

• The plan has a 15-day beginning date.  You must be disabled for 14 days before benefits begin.
• The plan pays 70% of base income if disabled and benefits can be paid up to 11 weeks.  Maximum weekly benefit is $1,000.
• You have "own occupation" coverage through the benefit period.
• There is no offset if you collect Social Security Disability Benefits.
• The plan pays for both total and partial disability.

A disability results from an injury, sickness or pregnancy for which you are under the ongoing care of a physician or practitioner other than yourself.  Pregnancies are covered for 4 weeks after the 14-day waiting period.

If you have questions, please contact:  Joseph Hasling, CLU, ChFC, Disability Income Specialist, 612.758.7799 or joe.hasling@nmfn.com.

Group Long-Term Disability Insurance

The policy (L653911) is insured through Northwestern Mutual Life.

• The plan has a 91-day beginning date.  You must be disabled for 90 days before benefits begin.
• The plan pays 80% of base income if disabled and benefits can be paid to age 65.
• You have "own occupation" coverage through age 65 with 3% COLA Benefit.
• There is no offset if you collect Social Security Disability Benefits.
• The plan pays for both total and partial disability.  The benefit paid during a partial disability is based on your loss of income.

* Refer to the Insurance Certificate and Summary Plan Description provided when you enrolled in the medical resident/fellowship program.

If you have questions regarding other life or disability insurance options call:

William A. Clark, CLU, ChFC, CFP
Northwestern Mutual Life
3600 Minnesota Drive, Suite 300
Edina, MN 55435
Bill.Clark@nmfn.com
phone: 952-806-9615