Especially for Physicians - It\’s not important until it\’s important

1. Time for a checkup? Why an independent
broker? Unique Income Protection
An independent broker means that you can for
Other count on the very best coverage for your needs. Physicians
Assets As an independent broker, we represents
Individual Disability Insurance
Retirement Plans
multiple insurance companies so we can offer
Personal Investments
Savings
you a variety of coverage choices and help you Group Disability Insurance
Business Ownership customize a plan that provides the protection
Auto Life Health Property
you need. Protect Your Income
Insurance Insurance Insurance Insurance
Income / Disability Insurance
How solid is your financial foundation?
Your income pays for your lifestyle. Doesn’t it
make sense to make sure that it’s protected in the event
you are unable to work due to an accident or illness? Let Amy S. Rickman
us help you review your current coverage to make sure that Consultant
your income will continue when you need it the most.
Lockton Dunning Benefits
Phone - (940) – 384-2720
Email – arickman@lockton.com
Other income protection needs
http://linkedin.com/in/amyrickman
• Business Overhead Expense – Reimburses you for
out-of-pocket business expenses while disabled.
• Disability Buy-Sell – Provides funds to purchase a
disabled partner’s business interest during a long term
disability.
These policies have exclusions and limitations and terms under
which the policies may be continued in-force or discontinued.
Some policy provisions and available riders may vary by state.
Optional riders are subject to underwriting and reinsurance
availability, and may increase premiums. A medical exam and
financial documentation may be required upon application.

2. Does your policy have these important features?
• Own Occupation Definition of Disability – Allows you
to receive up to 100% of your benefit if you cannot
perform the duties of your own occupation, even if
What’s your earning potential?
Life is full of risks A disability could prevent you from earning an income.
working in another occupation.
• Cost of Living Adjustment – During a disability, you
As a physician, you’ve seen firsthand how often disabilities Could you afford your lifestyle without it? The charts below receive cost of living adjustments to your monthly benefit
occur. Almost three in 10 of today’s 20 year olds will show what your potential earnings to age 67 could be (with to help keep up with inflation.
become disabled before reaching age 671. You take care no annual salary increases): • Future Increase Option – These may be available
of others – but who will take care of you if a disability automatically to help keep your policy up-to-date without
strikes and you are unable to generate an income to meet requiring additional medical underwriting.
ANNUAL INCOME
your financial needs? • Catastrophic Benefits – Provides a monthly benefit in
Age $150,000 $350,000 $500,000 addition to the base benefit during a catastrophic
30 $5,550,000 $12,950,000 $18,500,000 disability.
You might be surprised to learn that: 35 $4,800,000 $11,200,000 $16,000,000
• Unlimited Mental and Nervous Coverage– Mental and
nervous conditions covered as any other disability.
• The average long-term disability absence lasts 2 ½ 40 $4,050,000 $9,450,000 $13,500,000
• Retirement Protection – Additional monthly benefits
years.2 45 $3,300,000 $7,700,000 $11,000,000
designed to protect retirement plan contributions.
• In June of 2010, there were nearly 2.5 million disabled
workers in their 20s, 30s, and 40s receiving SSDI Help protect your most valuable asset – your ability to work
Are you taking advantage of discounts that may
benefits.3 and earn an income – with a personal disability income be available?
• More than one in five workers will be disabled for 5 years policy. Individual DI insurance can be a “lifesaver” when
• State and local associations
or more during their working careers.4 you need it most.
• Hospital affiliation
• Multilife discounts
Age Male Female Discounted
30 $270.08 $424.89 $231.50
35 $310.96 $463.86 $263.52
1SocialSecurity Administration, Fact Sheet 2009
2Commissioner’s Disability Insurance Tables A and C, assuming 40 $415.42 $577.13 $347.09
equal weights by gender and occupation class 45 $519.71 $678.68 $429.09
3U.S. Census Bureau, 2007 American Community Survey
4Commissioner's Disability Insurance Tables A and C, assuming
Rates based on a $10,000 monthly benefit, 5A-M occ
equal weights by gender and occupation class class, 90 day elimination period, Age 67 benefit period.