Disability Income Insurance

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1 Disability Icome Isurace Admiistered by The Parters Group ad Member Compay Kerr Cruickshak Member Compay: Negotiated Limited Time Offer

2 INDIVIDUAL DISABILITY COVERAGE PROGRAM HIGHLIGHTS: Discouted, Specialty, No-Cacellable Disability Isurace for Orego Medical Associatio(OMA) members with Simplified Uderwritig offered exclusively through The Parters Group(TPG) ad member compay Kerr-Cruickshak. Due to the OMA s ad TPG s log term relatioship with The Guardia, TPG has eared the right to offer this uique program. The Guardia Life Isurace Compay s 150 years of expertise offers the best cotracts ad disability defiitios desiged to protect physicia s specialties. The Guardia Life Isurace Compay is oe of the highest rated Life ad Disability compaies i America. A.M. Best Compay awarded The Guardia its highest ratig, A ++. Exclusive discouts that ca oly be obtaied through The Parters Group ad Member Compay Kerr-Cruickshak. OMA members beefit from a Dedicated Uderwritig Team to ehace turaroud times ad more liberalized o-medical uderwritig requiremets Ehaced Special Limits Program for Physicias Mothly beefit amout specifically calculated for the icome firstyear physicia specialists expect to ear. For 2010, this meas a beefit of $6,000, $6,500 or $7,500 depedig o specialty. First Year Physicia Limits are Now Available to Graduatig Medical Residets who are withi 6 moths of their graduatio from a residecy program. No-Cacellable ad Guaratee Reewable as log as premiums are paid. Studet Loa Protectio Program Coverage for icome ad studet loa obligatios i the evet of disability Highly competitive premiums Geerous compesatio ad uparalleled reewals Coverage for 100% of the mothly studet loa paymet is available up to a maximum of $2,000 per moth. Retiremet Protectio Plus Program Provides disability icome isurace to replace retiremet pla cotributios made by you ad your employer i the evet you become disabled. Coverage uder the RPP program is available as a separate policy idepedet of other disability coverage. No-cacellable ad Guaratee Reewable as log as premiums are paid At age 65 you may request that trust assets be distributed directly to you to supplemet savigs from your origial retiremet pla. You may choose a auity optio to esure tax-deferred growth, or ivestmets that provide for tax-free distributio 2 To cotact The Parters Group please call or visit tpgrp.com/omavb

3 DEAR OMA MEMBER, I am pleased to preset a egotiated offer to eroll persoal disability icome isurace coverage offered through your OMA sposored pla. By aswerig a hadful of questios ad completig a urialysis you ca purchase up to $2000 of mothly disability coverage PLUS $2000 of catastrophic coverage o a simplified uderwritig basis (you ca buy more if fully uderwritte). This offer is a limited time offer from August 1, 2010 November 30, OMA has a log history of deliverig valuable sposored programs for our members. This offer is a limited time offer from Aug. 1, 2010 Nov. 30, The OMA sposored Disability program is over 25 years old! Kerr-Cruickshak, our exclusive agets for this program, has successfully egotiated this uderwritig offer ad product ehacemets that iclude coverage from disabilities that prohibit you from performig the duties withi the scope of your specialty or sub specialty as recogized by the America Board of Medical Specialties. I Fact, we believe that there has ever bee a better time or a easier way to eroll or update your coverage ad with oe of the best defiitios available for practicig OMA members. Eclosed you will fid a brochure with istructios o how to apply ad who is eligible as well as a full rate schedule for those eligible. If you have ay questios our agets are available to help you take advatage of this offer. You ca also get details at (oce there, just click o the OMA logo to get iformatio). As always, we are happy to put the buyig power of more tha 7,600 OMA members to work to secure offers like this for you. Very best, Joh Evas, III, M.D. OMA Presidet 3

4 OFFER ONLY AVAILABLE To Orego Medical Associatio Members Disability Icome Isurace Protectio Orego Medical Associatio s sposored disability program is desiged exclusively for dues payig OMA members (as of 8/1/2010) who are licesed physicias, You must be workig a miimum of 30 hours per week, uder age 50, (as of November 30, 2010) ot applied to the OMA sposored disability pla previously ad work ad live i the Uited States. (Note: Offer available oly to age 50 for physicias who become members prior to 8/1/2010). A beefit elimiatio period of 90 days with a beefit duratio of To Age 65 is available through this offer. Coverage for residual claims is a built-i part of the cotract ad desiged to ot pealize a isured whe returig to work if residually disabled. Disability Coverage ca be obtaied for up to 70% of your eared icome ad i combiatio with other persoal or group coverage will ot exceed $15,000 a moth of beefit. May persoal programs limit the level of coverage oly to 50% of eared icome ad $10,000 of maximum mothly beefit. If you are limited to the amout of coverage you ca buy, this special offer is for you. A simplified uderwritig special offer for up to $2,000/ mothly disability beefit is available for a limited time. The maximum mothly beefit amout you ca purchase is $6,000/moth. Cotact Kerr-Cruickshak for details. Catastrophic coverage ca be obtaied for up to 100% of your eared icome ad is ot used i the calculatio for the $15,000 mothly beefit maximum. The Catastrophic Disability Beefit provides additioal coverage for serious disabilities which result i the loss of two or more activities of daily livig, or cogitive impairmet. Catastrophic coverage ca oly be purchased i cojuctio with the base disability pla. Elimiatio ad beefit periods must match the base disability pla elected. Simplified uderwritig special offer for up to $2,000/mothly beefit is available for a limited time. Maximum combied mothly beefit is $10,000/moth. 4 Provided you remai a OMA member ad are uder age 70, you may reew your coverage by timely paymet of premium util the first to occur of the date you retire, or cease to be actively at work for 60 cotiuous days; or the policy or coverage uder the policy is cacelled for all persos i your class. You must otify Us as soo as reasoably possible if You retire, cease to be actively at work for at least 30 hours per week, or cease to be a member of the Policyholder. Limitatios ad Exclusios No coverage is provided for loss or disability due to: war, or ay substatial armed coflict betwee orgaized forces of a military ature, or while you are i the armed forces of ay coutry or iteratioal authority for a period greater tha 30 days; suicide or itetioally self-iflicted ijury; participatio i a riot, committig or attemptig to commit a feloy, or beig egaged i a illegal occupatio, or while icarcerated or uder ay house arrest that places restrictios o movemet outside your home icludig restrictios that are moitored by electroic or other meas; or due to ijury sustaied durig travel, flight, or descet i ay aircraft, uless as a fare-payig passeger o a commercial airlie flyig betwee established airports o a scheduled route, or a charter flight seatig 15 or more people; or ay coditio that is subject to a Specified Coditio Exclusio Rider. Also, o coverage is provided for loss due to pregacy except that if the pregacy commeced more tha 30 days from the coverage effective date, Compliciatio of Pregacy are covered the same as sickess. If You are Disabled due to Metal Illess or Substace Abuse, the Maximum Beefit Period for Disability Beefits will reduce to the lesser of the Maximum Beefit Period you elected whe you applied, or 24 moths durig Your lifetime. However, provided you have ot exceeded the Maximum Beefit Period you elected, the 24 moth lifetime limitatio does ot apply to periods whe You are cofied as a ipatiet i a Hospital. Also beefits payable as the result of Your Total Disability will be reduced by Deductible Sources of Icome to the extet that Your Total Disability Mothly Beefit Amout, whe added to Deductible Sources of Icome, exceeds 70% of Your Pre-Disability Earigs. Examples of Deductible sources of icome iclude beefits from Workers Compesatio or similar law, beefits from ay compulsroy beefit Act or Law, other isurace, Social Security ad other govermet programs, retiremet beefits you receive as disability beefits.

5 TIME LIMITED SPECIAL OFFER Withi a 2-4 week period if you are eligible ad fiacially qualify you will be issued up to the $2000 a moth disability coverage you applied for. Ca you be tured dow? Yes, but oly based o the simplified uderwritig. For istace; you are ot eligible for the offer as detailed above if; you are ot actively at work i your occupatio; you have just come off of a recet disability; or you test positive to HIV. You must also qualify fiacially by ot applyig for over 70% to a maximum of $15,000 of mothly coverage of your eared icome. This offer caot replace aother policy that was issued substadard. How to take advatage of the offer Eclosed with this package is a sample proposal that outlies the cost to buy coverage of up to $4000, of mothly isurace protectio. The $4,000 offer is a combied disability beefit: $2,000/moth base beefit ad $2,000/moth catastrophic beefit. The base beefit provides coverage for periods of disability whe uable to perform material ad substatial duties of your specialty; the catastrophic beefit is for more serious disabilities which result i a loss of two or more activities of daily livig, or cogitive impairmet. See policy for details. Higher amouts are available subject to full medical uderwritig. However, o the premium due date o or ext followig the date you attai age 65, if you applied for a were approved for a mothly beefit greater tha $2,200, it will reduce to $2,200. The OMA sposored program bills o a semi-aual basis so rates are reflected as such. To apply for this time limited offer you will eed to complete 3 steps: A egotiated offer to eroll or update your persoal disability icome isurace coverage offered through your OMA sposored pla. Your Kerr-Cruickshak Dedicated Service Team KC Mik Fiacial Advisor Breda Peterso Seior Cliet Services Associate Ae O Keefe Marketig Team Coordiator Determie Your Eligibility ad Amout of Disability Icome Isurace coverage desired. See eclosed offer for eligibility ad amouts of isurace available. Complete the eclosed applicatio. If you are oly applyig for the special offer DO NOT complete sectio 5 except questio #3, #4 ad 12c. If you are applyig for the catastrophic beefit you will eed to aswer questios #13 ad 14. Mail the applicatio ad copy of the proposal i the postage paid persoal ad cofidetial evelope. Leah Burkhart Isurace & Fiacial Plaig Coordiator

6 The Orego Medical Associatio was established i 1874 to serve as a advocate for the Orego medical commuity ad its patiets. The OMA promotes ad provides leadership i the art ad sciece of medicie ad works to preserve ad improve the health of the citizes of Orego. Over 70% of Orego physicias are members of the OMA. With over 7,600 members, the physicias, residets, medical studets, ad physicia assistats of the OMA represet every recogized medical specialty. Kerr-Cruickshak is proud to represet the more tha 7,600 members of the OMA. Kerr-Cruickshak has bee program maager for may years. It should come as o surprise they are by far ad away the largest provider of isurace ad plaig services to Orego physicias ad cliics. This experiece is critical whe OMA members are selectig the right programs to protect their icomes, busiess ad families. Other Kerr-Cruickshak Isurace Services: OMA sposored plas through Uimerica Isurace Compay: Disability Icome ad Life Isurace protectios for persoal ad busiess eeds. Other Services offered through Kerr-Cruickshak: Log Term Care plaig ad isurace Group Medical, Detal ad Visio plas Group Disability ad Life plas Idividual ad Employer Retiremet programs Persoal Fiacial Plaig services Property ad Casualty programs Kerr-Cruickshak toll-free fax SW 68th Parkway Suite 200 Portlad, OR Coverage is uderwritte by Uimerica Isurace Compay, Milwaukee, Wiscosi, uder Policy Form ADI-4001-A (UIC). The policy or its provisios may vary or may ot be available i all states. For complete details refer to Orego Medical Associatio s Master Policy 1143 or cotact your pla admiistrator. 6

7 TERM LIFE INSURANCE Life Isurace made easy. TPG Quicklife is a trusted resource i your fiacial life. You ca visit tpgrp.com/omavb for a quick health assessmet to determie the most appropriate carrier, product ad price. Carriers are based o your specific eeds ad isurace carriers are all rated A or higher by Am Best. Term Life Isurace amouts of $50,000 to $15,000,000. ABOUT THE PARTNERS GROUP TPG is oe of the regio s largest idepedet fiacial services compaies, specializig i idividual fiacial plaig for physicias, detists ad executives, as well as a major provider of Employee Beefit Cosultig. TPG ad member compay Kerr-Cruickshak are the leadig providers of beefits ad fiacial services for the Orego Medical Associatio (OMA) through their edorsed plas. To cotact The Parters Group please call or visit tpgrp.com/omavb 7

8 To cotact The Parters Group please call or visit tpgrp.com/omavb

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