Benefit Optimization

The limits of coverage and benefit contract provisions are clearly indicated in every proposal, booklet, certificate and explanation of benefit statements. Not clearly identified are those actions that can be taken to “maximize your income replacement ratio.” When it comes to seeing a physician, you understand the need to consult with a specialist when the situation calls for it. Well, when protecting your income with Long Term Disability (LTD) insurance, the same is true. You need to consult with MD Group Insurance, the true specialist in physician group LTD. Group LTD is not boilerplate, inflexible contract of coverage. In fact, just the opposite. Insurance carriers allow multiple modifications, adjustments and options to their basic contract - concepts non-specialists can’t understand. We have the “know how” to utilize those features to secure for you the greatest possible protection at the least available cost. Our mastery of the hundreds of plan design combinations, options and alternatives available is paramount to optimizing the benefits for the unique needs of your practice.