Income Protection Plan - The risk of suffering a disability is high - you know that. But, do you know how to help protect yourself?

Consider this: How would you provide an income for you and your family if you were disabled - or partially disabled? And, if you are a solo practitioner or part of a small office, how would you be able to keep the business open until you returned? No one can guarantee what tomorrow will bring so please consider an income protection insurance plan.

Finding the right disability coverage can be challenging as many insurance companies are no longer underwriting physician disability coverage. For the insurance companies that remain, some do not pay benefits if you are unable to practice your medical specialty.

The PBT Income Protection Plan, the ONLY disability plan sponsored by the Illinois State Medical Society and the Chicago Medical Society, is designed to meet the special occupational needs of the profession. Designed by physicians for physicians, you choose the benefit waiting period, benefit duration period, and premium payment schedule. This plan is underwritten by Hartford Life Insurance Company, Simsbury, CT 06089.

• Long Term Personal and Business Overhead Expense Income Brochure



• Long Term Personal and Business Overhead Expense Income Rates



• Long Term Disability Application



• Business Overhead Expense Application