Disability insurance by top rated
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Term Life America
Disability Insurance
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MetLife
Headquartered in New York, NY, MetLife and
its affiliates offer a full range of insurance and other financial
products and services. In addition to life, non-medical health and
property and casualty insurance, MetLife is a leader in savings and
retirement products and services for individuals, small businesses and
large institutions. MetLife is the largest life insurer in terms of life
insurance "in-force" in North America, and offers financial products and
services to 88 of the Fortune 100SM companies.
MetLife is ranked number 1 in the group
short term disability market and number 2 in the group long term
disability market. They are second largest group disability carrier
overall with approximately 1.5 billion of premium and equivalents in
force1.
12001 U.S. Group Disability
Saks and In force Survey, LIMRA International. Based on premiums and
equivalents in force.
With over 40 years of group disability
experience, MetLife currently covers over 3.5 million employees at over
10,000 companies nationwide.
MetLife Is
Big On Underwriting Physicians And Dentists
Occupational Classes
Applicable in All States Except CA, FL, MI, NJ |
Occupation/Specialty |
Occ Class |
Issue Limit 1 |
Maximum
Participation
With Other DI |
Maximum Participation
With Group
LTD |
Occupations with Non-Invasive Duties
Allergist . Neurologist .
Cardiologist . Oncologist
Dermatologist Pathologist
ENT Pediatrics
Family
Practice . Pulmonologist
Gastroenterologist .
Rheumatologist
General Practice . Neonatologist
Hematologist . Opthalmologist
Internal Medicine .
Radiologist
Nephrologist . Urologist
|
5S |
$15,000 |
$15,000 |
$20,000 |
Occupations with Invasive Duties
Cardiologist . Opthalmologist
Dental . Specialties .
Radiologist
Neonatologist . Urologist
|
5I |
$10,000 |
$15,000 |
$15,000 |
Aneshesiologist . OB/GYN
Dentist (General) . Optometrists
Emergency Room . Psychologists (PhD)
Gynecologist .
Psychiatrist
Obstetrics . Surgeon
|
4M |
$10,000 |
$15,000 |
$15,000 |
1For
insured's ages 59 and older, the maximum issue limit from all
sources is $10,000
Business Overhead Expense
Available up to $20,000/month for all physicians and dentists. For
medically standard cases, coverage in excess of this limit, up to
$30,000/month, may be considered on a case by case basis.
MetLife Is Big On Group
Disability
Short Term Disability (STD)
Flexible plan designs for employers with 2 - 1,000 employees
Fully insured plans
State mandated disability coverage in New York, New Jersey, and
Hawaii; excess coverage over statutory benefits is available in
California.
Rehabilitation Incentives and Family Care Expense Benefits
Automated initial disability duration guidelines
Long Term Disability (LTD)
Flexible plans available for employers with 10 - 1000 employees
Return-to-Work and Rehabilitation Incentives
Family Care Expense Benefits
Temporary Recovery Days
Flexible Claim Management Services
Claims Services
Clinical approach to claim management
Job site accommodation services
Early intervention programs
Social Security application and appeals assistance
Note: Most group disability insurance policies contain certain
exceptions, waiting periods, reductions, limitations and terms for
keeping them in force.
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Because paying for life's expenses are not always as certain as your
responsibilities...
These top rated
Disability Insurance Companies can all but alleviate the problem!
The Purpose of Disability Insurance
Disability insurance was created to insure you for
a disabling sickness or injury, these plans will provide an individual
the ability to continue their standard of living. They are designed to
replace up to 60% of taxable income.
As you can observe above, there are a significant number of carriers
available to search out the best occupational definitions, and
occupational rating classes for your particular profession.
Q. If you are permanently disabled and cannot work, what will
Social Security
cover?
A. Social Security has a cap on the amount
of benefits you'll receive. In most cases, there will be a 5-month
waiting period before eligibility, plus another 7 months before you
even receive a benefit check. In addition, 56% of all disability
claims are rejected by Social Security.
More>
Q. If you collect disability income benefits, do you have to pay
Income Tax
on them?
A. Provided
you pay the premiums out of your own pocket on an after-tax basis,
the benefits are not taxable. However, if premiums are deducted from
your paycheck on a pre-tax basis such as in a Section 125 cafeteria
plan, benefits will be taxable. If your employer pays part of the
premiums, only the portion of the benefit that is attributable to
your own contributions will be tax-free.
More> |
Lewis Fink is licensed as
insurance agents offering these benefits in the following
states:
Alabama - AL,
Arkansas - AR,
California - CA,
Colorado - CO,
Connecticut - CT,
Delaware - DE,
District of Columbia - DC,
Florida - FL,
Georgia - GA,
Idaho - ID,
Illinois - IL,
Indiana - IN,
Iowa - IA,
Kansas - KS,
Kentucky - KY,
Louisiana - LA,
Maine - ME,
Maryland - MD,
Massachusetts - MA,
Michigan - MI,
Mississippi - MS,
Missouri - MO,
Montana - MT,
Nebraska - NE,
New Mexico - NM,
New Jersey - NJ,
New York - NY,
North Carolina - NC,
North Dakota - ND,
Ohio - OH,
Oklahoma - OK,
Pennsylvania - PA,
Rhode Island - RI,
South Carolina - SC,
South Dakota - SD,
Tennessee - TN,
Texas - TX,
Utah - UT,
Vermont - VT,
Virginia - VA,
and
Wisconsin - WI.
Note: Not all companies may offer products in all states.
Note: We do not
provide legal or tax advice. The general information presented
on various tax aspects contained in this site are not intended
to be relied upon as tax advice. Individuals should seek the
advice of a qualified tax professional regarding the taxation of
these benefits as they apply to your particular situation.
These benefits are
offered in all states except: AK, HI, WA, & WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC
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Term Life America.com
Disability Insurance
888.587.8511
9:00AM - 5:00PM
Mon. > Fri. E.T.
National Marketing
PO Box 30248
Charleston, SC 29417
Systems Administration
607 Elmira Road, Suite 149
Vacaville, CA 95687
disabilityinsurance.termlifeamerica.com
Copyright © 2005
All rights reserved
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