Physicians in Residency

RESIDENCY PROGRAMS

Since 1993, Physician Financial and Insurance Services has been assisting students, interns, residents and fellows in both the medical and dental fields with their personal finances.  We are dedicated to provide financial strategies for the busy physician.  Our financial services include providing you with a full needs analysis based on your goals and objectives. Information on disability income insurance is often requested by young physicians during our complimentary review.  Below are both important provisions in a quality policy,  as well as special issue limits for physicians in training.

Contractual Provisions to be included in a quality policy:

* Non-cancelable & Guaranteed renewable

* Own Occupation (Specialty Specific)

* Guaranteed Insurability Rider (FIO)

* Total and Partial Residual Benefits

* Lifetime Benefit Period, if available

If you would like to receive more information on disability income insurance, life insurance, health insurance, or retirement planning funding strategies, please click here

Please make sure to include your name, date of birth, gender, coverage amount requested, occupation specialty and approximate annual income.

Thank you.

Like most disability income insurance policies, MetLife’s policies contain certain exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about the complete costs and details. These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%, depending on the policy. This ratio is the portion of future premiums, which MetLife expects to return as benefits, when averaged over all people with the applicable policy.

(these provisions are all subject to underwriting review and approal)