High-Limit Disability

Protect your current income and future earning potential in the event of short-term or career-ending injury or illness.

High-limit disability coverage is specialized insurance designed to meet the unique financial needs of high-income earners. Consider the importance of maintaining your standard of living: Receive more than what typical coverage offers with a high-limit Disability Income Protection Plan.

Already a Member?

Sign in to pay your bill and download your policy documents. To make changes to your policy or update your information, call Member Services at (800) 421-2368.

The plan,* designed specifically for members of The Doctors Company, covers you if you are disabled and no longer able to practice in your specialty, while allowing you to work in a different occupation or specialty.

Benefits of the Plan

  • Receive substantially higher benefits than traditional individual disability plans.
  • Secure the full benefit amount for the definition of disability within your occupation/specialty.
  • Collect benefits income-tax free when premium is paid with after-tax dollars.
  • Enroll online with a private and secure electronic signature.

Coverage Highlights

  • Protect up to 65 percent of your total earnings to a maximum benefit of $50,000 a month, less any inforce coverage, in the event of an accident or sickness that prevents you from working in your specialty.
  • Obtain coverage on a guaranteed standard issue basis without medical examinations as long as you have been actively at work full time for the past 180 days and have not received disability benefits in the past five years.

Easy Enrollment

View your personalized benefits and rates to get started.

Questions and Answers

  • What is the purpose of the Monthly Disability Plan?
  • The purpose of the plan is to provide you with monthly disability insurance benefits to help you and your family maintain your standard of living if you have an accident or illness that prevents you from working in your own occupation/specialty.
  • How much monthly disability coverage can I purchase?
  • You can apply for 65 percent of your earnings up to a maximum of $50,000 a month less current inforce benefits. Please see the schedule of benefits below:
Age Policy Term Benefit Period
Up to age 60 Up to 5 years less 1 day 5 years
61 4 years Decreasing:
Year 1–48 months
Year 2–36 months
Year 3–24 months
Year 4–12 months
62 3 years Decreasing:
Year 1–36 months
Year 2–24 months
Year 3–12 months
63 2 years Decreasing:
Year 1–24 months
Year 2–12 months
64 1 year Decreasing:
Year 1–12 months

  • When is the benefit payable?
  • The monthly benefit is payable 180 days after you are totally disabled.
  • What does totally disabled mean?
  • That as a result of a covered injury or sickness, you are totally unable to perform the substantial and material duties of your regular occupation or specialty as shown on your policy certificate for the elimination period and for each month during which benefits are payable. In addition, you must be under the care of a physician.

OR

You have an injury or sickness that results in the entire and irrevocable loss of at least one of the below:

  • The use of both hands or both feet.
  • The use of one hand and one foot.
  • The sight in both eyes.
  • The hearing in both ears.
  • The ability to speak.

In that event the elimination period will be waived and ongoing medical care is not required.

  • I already own a Lloyd’s of London disability policy; can I apply for additional lump sum benefits?
  • Yes, but your current in force benefit plus the new benefit that you are applying for cannot exceed the maximum guaranteed issue amount for which you are eligible.
  • Is there a residual disability benefit?
  • Yes, if an accident or illness reduces your income by 15 percent or more you will be entitled to a residual benefit. For example, if your monthly benefit is $5,000 and because of an accident or illness your income is reduced by 50 percent, you will be paid a $2,500 a month disability benefit.
  • How long are premiums and coverage guaranteed?
  • Up to five years less one day. (If you are 61 and older, please refer to the Policy Term and Benefit Period table above for additional information.)
  • How long will my benefit be paid?
  • For the duration of your Benefit Period, a monthly income benefit will be paid as a result of a covered injury or sickness, if the insured is totally unable to perform the substantial and material duties of his/her regular occupation. The insured must be under the regular care of a physician that is appropriate for the condition causing the disability. The disability must begin while the policy is in force. Mental and nervous disorders are excluded from benefits.
  • What happens if I earn less at time of claim than I did when I applied?
  • This is described in the “Relations of Earning” provision in the policy. The Monthly Benefit amount provided by this insurance shall be an amount that in conjunction with all other cash benefits payable or collectible during periods of disability will not exceed sixty-five percent (65%) of the average monthly Earned Income from your occupation. Should, during the term of this coverage, the ratio ever exceed sixty-five percent (65%) of average monthly Earned Income because of the purchase of additional disability insurance, disability benefits being provided by your employer, social security disability, state disability benefits, or because of a diminished average Earned Income, the benefits paid under this certificate will be adjusted so as not to exceed the sixty-five percent (65%) percent ratio between benefits and earnings. A pro-rata refund of the last paid premium will be made to you, should there be a reduction of benefits.
  • Are premiums waived after I become disabled?
  • Premiums are due during the 12-month period after the start of a disability. At the end of the 12 months when the benefit is payable, the premiums will be waived.
  • What are some examples of how the definition of permanently and totally disabled can apply?
  • A physician is diagnosed with Parkinson’s disease and can no longer conduct the daily activities of his practice. The claim will be paid as it is not expected he will be able to continue his practice due to the effects of the disease.
  • A dermatologist has a serious stroke and can no longer practice. If the residual effects of the stroke—such as a partial paralysis of an arm or leg, or the inability to speak clearly—are expected to prevent her from performing the substantial and material duties of her specialty, the claim will be paid.
  • A surgeon is diagnosed with multiple sclerosis and is no longer able to operate, but can still teach and provide cognitive professional services. She will be paid because she is not expected to be able to practice in her specialty as a surgeon even though she can work in another occupation.

These are hypothetical claims examples for permanently and totally disabled. All claims will be decided in terms of their actual conditions and circumstances. The examples listed do not constitute a representation, and may not be relied upon, that an individual claim will be determined as set forth in the example. All claimants must meet the pre-existing condition requirement and all other terms and conditions as set forth in the policy.

  • Is the benefit tax-free?
  • Yes, all benefits are income-tax free under the IRC Section 104(a)(3) if the premiums are paid with after-tax dollars. Please consult your financial advisor for more information.
  • Should I replace any of my existing disability coverage with this policy?
  • No, the policies are designed to be used to supplement your existing coverage, not to replace it.
  • How do I qualify for guaranteed issue?
  • To qualify for guaranteed issue, you must have been actively at work full-time in your specialty or occupation for 180 days preceding the open enrollment period and have not been paid disability benefits in the past five years.
  • Do I need to be a United States citizen to be eligible for this coverage?
  • No.
  • If I am disabled outside of the continental United States, am I covered?
  • Yes, your disability income protection is worldwide, 24/7.
  • Who is the insurer?
  • Lloyd’s of London—its current financial ratings are:
Standard & Poor's A+ (Strong)
Fitch AA- (Very Strong)
A.M. Best A (Excellent)
  • When will the insurance be effective?
  • The effective date shown on the policy.
  • If I have not been actively at work for the past 180 days, or have received disability benefits in the past five years, will I be denied coverage?
  • Not necessarily. It depends upon the condition that caused the interruption in work or the disability.
  • How long after my injury or illness will a claim remain valid?
  • You must become totally disabled within 730 days from the date your accident or illness “first manifests” or first occurs.
  • Are benefits paid if the disability was caused by war, acts of foreign enemies, hostilities or war-like operations, civil war, rebellion, revolution, insurrection, uprising, or any act of terrorism provided that I was not taking an active part in them?
  • Yes, with the exception of nuclear, chemical, or biological terrorism.
  • What conditions are not covered by the policy?
  • If the loss is caused by, or the result of:
  • Being under the influence of narcotics or intoxicants.
  • Any psychosis, neurosis, or neuropsychiatric illness including, but not limited to, any emotional anxiety or depression illness.
  • Attempted suicide or an intentionally self-inflicted injury.
  • Travel on aircraft for test purposes, on military aircraft, serving as a pilot or crew member, or taking a flying lesson.
  • Participation in a riot, service in the military, or committing or attempting to commit a felony.
  • Losses from any act of nuclear, chemical, or biological terrorism.
  • Nuclear reaction, radiation, or contamination (not related to occupation).
  • A pre-existing condition.
  • Benign/essential tremors.
  • Polycystic kidney disease.
  • What is a pre-existing condition and how might it affect the coverage?
  • Pre-existing condition means a sickness or accidental injury for which you, in the 12 months before your insurance or any increase in the amount of insurance under this certificate takes effect, have:
  • Received medical treatment, consultation, care or services; or
  • Taken prescription medication or had medication prescribed; or
  • Had or have any symptoms or conditions that would cause a reasonably prudent person to seek diagnosis, care, or treatment.

You will not receive benefits, or an increase in a benefit amount related to an elected increase in the amount of your insurance, for disability that results from a pre-existing condition. You may receive either of these if, for a continuous 12 consecutive month period after the effective date of your disability insurance or the date on which the elected increase in the amount of such insurance takes effect under this certificate, you have been actively at work and have not:

  • Received medical treatment, consultation, care, or services; or
  • Taken prescription medication or had medication prescribed; or
  • Had or have any symptoms or conditions that would cause a reasonably prudent person to seek diagnosis, care, or treatment.
  • What is the intent of the pre-existing condition provision?
  • The intent of this program for insurance is to insure against unforeseen accidents, illnesses, or injuries that arise after the effective date of the policy. The intent is not to insure against known illnesses.
  • What if I have a pre-existing condition for which I require assurances that it will be covered under the terms of this policy?
  • Should you have a pre-existing condition for which you desire an assurance or guidance as to whether the condition will be covered, the condition must be fully disclosed to Hanleigh underwriters. The condition will then be either specifically accepted, accepted at special terms and conditions, or declined. An endorsement confirming the terms of coverage or condition exclusion will be issued to your policy.
  • What happens if I apply for coverage and then decide I don’t want it?
  • You can return your certificate within 10 days of receiving it and be given a full refund of your premium payment.
  • What is the minimum amount of insurance I can acquire through this program?
  • The minimum amount of monthly benefit available is $1,000 a month.

*Underwritten by Hanleigh Insurance as Coverholder for Lloyd’s of London. The Doctors Company Insurance Services is acting as the insurance agent for Hanleigh Insurance as Coverholder for Lloyd’s of London.

Products offered through our wholly owned subsidiary, The Doctors Company Insurance Services (CA License #0677182). All policy provisions are subject to regulatory and underwriting approval and vary by state. You should consult your representative regarding specific policy provisions.

Already a Member?

Sign in to pay your bill and download your policy documents. To make changes to your policy or update your information, call Member Services at
(800) 421-2368.

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