Long-Term Disability Insurance

Base Group Plan

This Group policy provides 80% of a housestaff’s base stipend to a maximum monthly benefit of $5,000. Disability is defined as the inability to perform with reasonable continuity the material duties of your own occupation. Benefits start two months (60 days) after the onset of disability. Benefits can be payable to social security normal retirement age (SSNRA). The policy should be consulted for specific details. This policy can be converted upon leaving MCWAH without evidence of health. Please call our agent Wisconsin Medical Society Insurance Services, Inc. at 1 (800) 474-7500 with any questions and for specific details.

Note that the above is just a short summary of the Long-Term Disability insurance benefit. The Group Long-Term Disability plan certificate (PDF), as issued by the insurance company, is the governing document and should be consulted for specific details of the coverage, benefits, limitations and exclusions.

Voluntary Supplemental Individual Plan

Housestaff members are also eligible for a voluntary, supplemental, individual disability policy. The policy is True Own Occupation/Specialty coverage. Premiums are guaranteed and substantially discounted. This policy is portable and may be continued and increased upon graduation and after. This policy is handled exclusively by Wisconsin Medical Society Insurance Services, Inc. For details about this plan, please call their Milwaukee office at 1 (800) 474-7500.