LTD PROGRAMS

The KeyArx LTD program is a custom designed program, which is coordinated with individual plans, that can typically bring the total cost down 30% or more from a traditional IDI (Individual Disability Insurance) and other fully underwritten individual products alone. This program offers guaranteed issue (no medical requirements) and while providing “Specialty Occupation Coverage” that covers multiple contingencies:

Plan Highlights:

• Up to $25,000 per month of additional long-term disability (without offsetting any individual LTD coverage)

• Retirement Provision – this continues contributions to your 401k or Profit Sharing Plan up to $60,000 per year.

• Medical Malpractice Rider – pays the premium for traditional malpractice, risk retention or captive up to $75,000 if partially disabled

• Business Overhead (Key Person) Rider – helps defray the overhead cost of a firm while a covered professional or key employee experiences a period of disability (up to $15,000/month for 24 months, indemnity payment). These funds can be used to bring in another professional, offset office expenses or apply toward a buy-out of disabled physician.

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Best Suited for:

• High Income Professionals: business owners, physicians, dentists, multi-specialty practices, ACO, MSO, Super Groups and hospitals. 

• Our program currently insures more than 125,000 physicians and 10,000 practices across the nation. 

• Best Contact: Managing Partner, Owner, CFO or Director of Practice Operations