How does house officer disability insurance work?

Details about the disability insurance plan for house officers.

The current disability insurance plan is managed by Flynn Benefits. Their contact information and details about the plan can be found at flynnbenefits.com.

Flynn Benefits Group is now part of NFP, a leading benefits consultant, wealth manager, property and casualty broker and retirement plan advisor.  

Plan Levels

Group Long Term Disability Insurance – Coverage During Your Training provided by University of Michigan

  • 66 2/3% of monthly income to $4,000
  • 180-day elimination period
  • To age 65 benefit period

Voluntary Disability Insurance – Individual coverage throughout your career

  • Portable
  • Guaranteed Standard Issue – no evidence of medical insurability
  • Medical specialty definition of disability

NEW RATES — Due to actuarial and industry standards, the rates will be transitioning from gender neutral to gender distinct.

Male Rate: reduction of approximately 13% in rates starting July 1st, 2024

Female Rate: increase of approximately 40% starting September 1st, 2024

Schedule a meeting with Mike Flynn by phone or in person.
Alternate dates and times available upon request.

Flynn Benefits will provide an updated video to help explain the program soon.