Intelligent Choice During Residency and Beyond. Travis Christy Disability Income Specialist/ Financial Representative

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1 Intelligent Choice During Residency and Beyond Travis Christy Disability Income Specialist/ Financial Representative

2 Intelligent Choice Travis Christy Guardian Disability Specialist. HSAC Disability Program in 100 medical and dental schools. Guardian Life Insurance Co. Rated A++ by A.M Best. Comdex 99% (Berkshire Life)

3 What is your income worth? 1. Annual Income. $ 2. Years to earn. X 3. Sum Total $ What do you own that compares? PROTECT YOUR MOST VALUABLE ASSET.

4 Why Is Income Protection Important? Goals Earned Income Expenses of Daily Living Surplus Building Wealth

5 Why Is Income Protection Important? Goals Income Stops Expenses Continue Deficit Draining Wealth

6 Your UNM Group Disability Coverage Summary of Features 60% of income to a max of $3,000 per month of benefit. 90 day waiting period Benefit Period to age 65 3% COLA Debt Repayment up to $175,000 Up to 40% in critical disability supplement benefits GUARANTEED Convertibility upon Completion of your training at UNM.

7 FACTS: Disability is NOT A COMMODITY Hardest insurance to get. No two contracts are identical True Own Occupation vs Modified Own Occupation Premium should not be the major factor! Focus on highest value for your $$$.

8 Premium Monthly Benefit Policy Language. Three Components of a Policy. Which 2 of these 3 are most important! You pick two of the three.

9 Policy Premium Monthly Benefit Policy Language

10 Group and Association Plans (AMA, ACS) Plans can be cancelled Rates Increases Restrictive definitions of disability Offsets typical You don t own a group plan

11 Individual Policies Guaranteed Renewable Non-cancelable Liberal definitions of disability Flexible plan design Portable

12 Coverage Limits Special Limits for Young Professionals Can be based on guaranteed salary with employment contract from employer 40-90% of salary Income tax-free monthly benefit

13 How is premium determined? You Age Gender Occupation/Specialty Tobacco Usage Health Status State of residency (Note CA and FL) Policy Design Monthly benefit, benefit period, etc. Optional riders

14 Rates for Female Physicians Rates are typically 15-25% more than males Morbidity due to pregnancy Premium Discounts Multi-life discount Voluntary Income Plan from employer Unisex rates with permanent premium discounts

15 California and Florida Two most expensive states Policy provisions are usually less liberal Plan to move to either one, purchase policy before you get there Future Purchase Option policies are based on original state rates and provisions

16 Common Definitions available to MD & DDS Specialties True Own Occupation with specialty. Modified own-occupation Transitional in your occupation Hybrid definitions Any occupation definition based on education, training or experience

17 Own Occupation Definition: Unable to perform the material and substantial duties of your occupation. If you have limited your practice to a recognized specialty, your specialty is your occupation

18 What to look for in a Policy? MAKE SURE. Non-Cancelable and Guaranteed Renewable True Own Occupation definition of disability Lifetime benefits Residual disability rider Cost of Living Adjustment Rider Future Income Purchase Option Retirement Protection Student Loan Repayment

19 Residual Disability Rider -20% Loss of income required -No less than 50% first 6 months of residual disability -Loss of 75% or 80% means full disability -Inflation protection included -Recovery benefits vary greatly from company to company

20 Cost of Living Adjustment Rider -After benefits have been received for 12 months -Increases benefits based on changes in the CPI (Consumer Price Index) -No cap on monthly benefit

21 Future Purchase Increase Option Right to purchase additional benefits regardless of you health as income increases Based only on earned income and other disability insurance in force Future purchase increase option based on initial monthly benefit purchased

22 Why Buy During Residency? Based on age at time of purchase Protect insurability and future earnings Lock in policy provisions Group coverage provided while in training does not offset the amount you can purchase Individual policies are not affected by coverage provided by future employer Definitions are becoming more restrictive

23 Contact Information Travis Christy The Guardian Life Insurance Company of America 8500 Menaul Blvd. NE Suite A500 Albuquerque, NM office cell

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