menu 1
menu 2
menu 3
menu 4
 
P I A M
860 Winter Street
Waltham, MA 02451-1414
toll free 800-522-7426
tel 781-434-7525
fax 781-434-6929
mms logo
       

 

 

 Disability Insurance

Disability income insurance can make up the difference between the money you need to replace your lost income and what other programs will give you (social security, savings, etc.)

Massachusetts Medical Society Special Membership Discount
Members of the Massachusetts Medical Society are automatically eligible for a discount of up to 40% off premium rates for individual coverage. This coverage is true “own occupation” guaranteed non-cancelable coverage that you own.

The policy you purchase while you are a member of the Massachusetts Medical Society stays in force at the discounted rate even if you discontinue your membership, as long as you pay your premiums on time Rates are available only through this special membership discount. You cannot obtain this coverage at this price on your own or through any other broker. Female doctors will benefit greatly from unisex rates. Policies can be customized with all optional riders.

Up to $15,000 tax-free monthly benefit available. You can get the highest quality individual coverage at the lowest obtainable price. This is an exclusive offer designed with your specialty in mind and is just for MMS Members.

Consider carrying enough coverage to replace at least 60 percent of your earnings. Many companies limit benefits to between 50 percent and 80 percent from all sources of disability income prior to the disability. This would mean, for example, that the amount of any Social Security disability payments you receive would be deducted from your benefit amount.

Remember, private disability benefits are usually tax-free. Consider extending the time between when the disability occurs and when you start receiving benefits. Choosing a 90- or 180-day waiting period instead of a 30-day waiting period can lower your cost substantially.

Business Overhead

PIAM Insurance Planners

Group Disability

Council for Disability Awareness

Contact Us

Get A Quote

 

 

About PIAM | Directions | Site Map | Contact Us

©Copyright 2011 PIAM. All Rights Reserved. Disclaimer | Privacy Policy