Benefits: Long Term Disability

Long-Term Disability insurance is provided, at no cost, to all trainees.

• 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 a 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 Bill Clark at 952-806-9615.