Case Study Snapshot: High-Limit, Supplemental Disability

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An orthopedic surgeon and part owner of a successful surgery center in Florida was making $1,200,000 annually.  His clinic provided taxable group disability benefits capped at $25,000 per month.  He also had an additional layer of individual coverage from a domestic U.S. carrier providing him with another $25,000 per month.  Considering the doctor’s growing family, their lifestyle and his regular financial liabilities, $50,000 of partially taxable monthly disability benefits failed to bring peace of mind to the client.  Only 50% of his monthly income was covered.  He was underinsured.

Petersen International provided this physician with a third tier of monthly benefits of $25,000 tax free, participating up to 75% of his earnings and providing he and his loved ones with appropriate high-limit levels of supplemental disability insurance.