CLICK TO VIEW YOUR PERSONAL OPTIONS AND SUBMIT YOUR DECISION
DEADLINE: November 21, 2025

90% of disabilities are caused by an illness, not an injury. 1
Do you have enough coverage to protect your
paycheck?
This is an exclusive one-time offering to purchase supplemental disability insurance for Christie Clinic physicians and executives.
Learn why this insurance is so important in this brief video.
Calculate Your Current Christie Clinic Protection
Financial planners suggest replacing
80% to 90% of your take home pay, if disabled.
Percentage of Take-Home Pay Protected
Needs Work!
Doing Great!

Your Result

You only have % of your total Take-Home Pay Covered

Your current after-tax Group LTD benefit is: $ Your take-home pay will be $ per month lower than it is now. How would this impact your lifestyle? Supplemental IDI can provide the necessary money and peace of mind.
WE ALL INSURE OUR HOME AND CAR,
BUT WHAT ABOUT OUR INCOME?

Check the box to guarantee your
future earnings!

Next Steps
Choose from the below links

Learn

Review your personal benefit options and pricing tailored specifically to you.

Review

One-to-One video meetings are available with a licensed representative.

Decide

Submit your decision to enroll or decline by November 21st
Benefit Offering
Current Christie Clinic
Provided Coverage
This benefit is currently provided by Christie Clinic’s and does not cost you anything.
Option to Purchase
Supplemental
Disability
A tax-free way to protect
more of your pay
% of Base Salary protected
Up to 60%
Up to 65%
% of Incentive Compensation protected
(Bonus and Commission)
Up to 60%
Up to 65%
Would the benefit be Taxable?
No, Tax Free
No, Tax Free
What is the max Annual Benefit?
$240,000
$330,000

(Combined with LTD)

Disability Insurance doesn’t have to be complicated
You are injured
or become ill.
You cannot do your
job for 90-days.
Group LTD and your IDI
policy pay you directly.
ONE IN FOUR
will experience a disabling event during their working years. 2
How would your lifestyle be impacted
if you did not receive an income
FOR THREE MONTHS?
Advantages to this one time offering

Institutional Pricing

Your employer has negotiated substantially discounted pricing on your behalf.

No Health Questions or Pre-Ex

During this one-time, exclusive enrollment, the disability benefit is issued without health questions and there will be no pre-existing condition limitations if you meet the 180-day active at work requirement.

Portability

This policy is 100% portable with guaranteed rates and benefits.

30-Day Money Back Guarantee

You may return the policy for a full refund within 30-days by written notice to the insurance company.

Own Occupation

The definition of disability is based on your inability to perform the substantial and material duties of Your Occupation. You may also receive benefits under the Residual Disability provision if you restricted to part-time work.

Guaranteed Rates and Benefits

Premiums are guaranteed to remain level during the policy term if you make no changes to the policy. The features and benefits of the policy cannot be changed by the insurance company.

Frequently Asked Questions
Can I enroll in the future?
No, this is a one-time offering to take full advantage of the plan. Enrollment at a future date is not guaranteed and may require medical approval.
When do I receive benefits?
Monthly Benefit payments begin after 180-days of a qualifying illness or injury and are payable to your age of 67 for a continued disability. If you work beyond age 67, you may continue the policy under the Maximum Benefit provision.
How do I pay the premiums?
The premium is paid through payroll deductions.
Can I cancel this policy?
Yes, the policy can be cancelled at anytime by contacting your employer or the insurance company.
I have even more questions!
Great, we have you covered. See our contact section to call, email, or set up a one-on-one consultation.
Have Questions?
Email Us
Call Us At (415) 464-2818
Call Us At
(415) 464-2818
Schedule A Personal Consultation
Calculate Your Coverage

Plan Advantages

Benefit Offering

FAQs

Contact Us

1. Council for Disability Awareness 2014 Claims Review
2. U.S. Social Security Administration Fact Sheet, December 2018
3. LIMRA, “U.S. Group Disability Insurance 2016 Annual Sales and In Force” (2017), and LIMRA, “Individual
Disability Income Sales and In-Force Survey Annual Review 2016” (2017), based on multi-life.
4. Unum internal data, 2020.
5. Fortune, “Fortune 500 2016,” (2016); Unum customer database, 2016.

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Information about Unum Insurance
170 YEARS STRONG
Unum Insurance brings clients more than 170 years of employee benefits focus and expertise.

The #1 disability provider
Unum is the leading provider of group and individual disability benefits in the U.S.3

88,000+ clients
Unum works with more than 88,000 businesses in the U.S.4

53% of fortune 100 companies
Unum serves 53% of the Fortune 100 Companies or their subsidiaries and affiliates.5

97% of long-term disability customers rate Unum claims representatives as courteous and respectful.

In 2021, Unum paid $8.2 billion in benefits.

Unum is a Fortune 500 company and is one of the 2022 World’s Most Ethical Companies, recognized by Ethisphere®.