Personal Coverage:

Individual Issue Limit Medical Related $10,000 Per Month

The companies issuing coverage cap at $10,000 Per Month

Some Carriers:
PARTICIPATE TO: $15,000 Per Month

That means, if you currently have $7,000 per month your current carrier will

Issue $3,000 per month more OR, one of the companies that participate to $15,000

Per Month will ISSUE $8,000 more.

Income Requirement:
In order to QUALIFY for the $15,000 per month, your income must be around $420,000. (After business expenses: BEFORE TAXES, then add your Pension Plan Contributions to that figure.) Note: If your income is less than that, you can still purchase the maximum amount your income qualifies you for.

The Final Step:
Once the above Maximum Benefit of $15,000 is purchased, you can now consider the Pension Completion Disability Policy.

Pension Completion Disability:
This policy matches your pension contribution dollar for dollar, up to $3,500 per month, payable TO AGE 65.  Note as well, these benefits are in addition to, and OVER AND ABOVE all other policies you have.  Dentist who contribute, (as an example, $40,000 per year to a pension plan,) immediately lose the ability to continue these contributions, in the event of disability. It should also be noted, that, the pension contribution policies are the same contracts as the individual polices.

The only differences being, the elimination period is 180 days, and the policies do not provide for Partial or Residual Benefits..

The Total Disability Benefit NOW: $18,500 Per Month.

Now what’s left to know:  You can add the COST OF LIVING RIDER to ALL these policies.

The COLA riders are expensive and should be discussed further.  All of these policies should be paid for personally.  All of these benefits are TAX FREE.