Monthly benefits under the high-limit program are paid for a full five years.
Still disabled after 60 months? You become eligible for an additional lump-sum benefit.
Streamlined underwriting options make coverage easier to get.
Special rates negotiated for members of the College.
Group long-term disability plans and individual policies put hard caps on monthly benefits. For a high-earning gastroenterologist, those caps can leave a large share of income unprotected.
The high-limit program layers on top of your existing group and individual coverage, so your total protection reflects what you actually earn.
Use the income protection calculator to estimate how much of your monthly income would go unprotected today, then talk to an advisor about closing the gap.
Calculate your income gapGroup disability plans cap monthly benefits well below what a gastroenterologist earns. Move the sliders to see your gap.
Illustrative only. Assumes a 65% income-replacement target and group coverage of 60% of income up to the cap. Actual coverage, limits and eligibility depend on underwriting.
Tell us how to reach you and your advisors will prepare a personalized, no-obligation quote.
We've received your request, and an advisor will be in touch within one business day. If you need us sooner, call 949.335.0199 or email ACGbenefits@wmswealth.com.