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Wake Forest Baptist Medical Center

Welcome Wake Forest Baptist Health

Wake Forest Baptist Medical Center Logo

Welcome to Mensh Insurance, your hospital endorsed provider of Disability Income protection for all Wake Forest House Officers and Fellows. Mensh Insurance is the leading independent disability specialist in the region. We provide access to Principal, Ameritas, Guardian, and The Standard and have discounts available from all companies. Additionally, we are the only ones to offer the GUARANTEED ISSUE PROGRAM.

Welcome Wake Forest Baptist Health

Protect Your Income

Physician Disability Insurance Quote

Your Group Disability Insurance Plan

All residents and fellows are insured by a group Long Term Disability Insurance plan via The Standard Insurance Company. Benefits cover 66 2/3% of salary to a maximum of $3,000/month, with benefits payable to age 65. It’s not until you reach an annual income of $54,000 that you would exceed the maximum of $3,000 in monthly benefit. For those earning in excess of $54,000, many will secure individual supplemental policies to insure the difference.

2018 Graduating Residents

The Guaranteed Issue feature from The Standard Insurance Company allows up to $5,000/month and is available to those within 12 months of their Graduation date. This plan can be increased to $15,000/month after graduation. In addition all other carriers, such as Principal, Guardian and Ameritas are available for review.

CRITICAL INFORMATION REGARDING ELIGIBILITY IF YOU ARE GRADUATING

We understand and value your independence and freedom to work with any agency to secure valuable disability insurance. However, please not that should you apply with any insurance company and have medical conditions that could exclude you from protection, you could become immediately ineligible for the GUARANTEED ISSUE program that Wake Forest has procured on your behalf. We strongly urge you to talk to us before applying anywhere else and risking ineligibility. We provide access to all carriers and all discounts are the same from all agencies. We will go above and beyond by protecting not only your income but your insurability under all circumstances.

Non Graduating Residents

The hospital provided Group Disability plan is designed to replace 66 2/3% of your income while in training. However, if you are on claim receiving benefits that amount will be taxed as ordinary income. We suggest that all residents consider securing an individual policy without medical review and this will pay $1,000/month tax free. This will help replace what you lose in tax from the Group plan benefit and allow you to lock in the first $1,000/month of your individual protection at a younger age. As a resident, you will pay this cost but it will be fixed and guaranteed and is portable for your whole career. Special rates are the same for males and females. Depending on your age and medical specialty, rates for a 28 year old start at $28.55/month. During the 12 months before graduation you can the automatically increase from $1,000/month to $5,000/month without any medical review or exams. (Up to $2,000 available with these plans)

Sample Monthly Rates

Non Graduating $1,000 Monthly Benefit Non Tobacco

Age

4P

3P

2P

28

28.55

33.25

49.65

29

29.79

34.71

51.94

30

31.13

36.32

54.36

31

32.63

38.05

56.90

32

34.31

39.96

59.60

33

36.15

41.98

62.42

34

38.12

44.15

65.34

35

40.17

46.41

68.37

4P – Internal/Family Med, Pediatrics, Radiology, Psych, General and Neuro Surgery, Cardiology and Invasive Cardiology, Urology, Dermatology Critical Care/Pulmonology, Gastro
3P – Ortho Surgeons, Emergency
2P – Anesthesiologists

Protect Your Income

Physician Disability Insurance Quote

Concerned about student loans?

We also offer Student Loan Protection

LEARN MORE

Guaranteed Issue

Interested in Term Life Insurance?

LEARN MORE

Medical Review Required

“InsureSTAT was instrumental in helping me secure quality disability insurance through their experience in the field and dedication to their customers.”

Dr. John Shields
Department of Orthopedics

Medical Students

Why Consider Coverage Now?

Top 3 Reasons to Buy a Policy Now

  1. Lock in discounted rates that are fixed for your entire career and won’t be available after graduation.
  2. Avoid medical review by securing the only guaranteed issue policy available to include specialty own occupation language and access to more coverage after graduation.
  3. Place individual coverage in force before adding future employer provided benefits. By having individual coverage in place first, you are free to stack future coverage in unlimited amounts.

Why Mensh Insurance for these policies?

Daniel Mensh, President/Owner Mensh InsuranceBased on 40 years of experience in the medical marketplace working with physicians in all fields, Mensh Insurance can bring the top insurance contracts from the best companies in the industry to you. Principal, Met Life, Guardian, and The Standard are recognized as having the best and most flexible policies for physicians. Additionally, Mensh Insurance has negotiated significant discounts for Wake Forest that you will only be able to find from them. Bringing these comprehensive and discounted plans together for your review and comparison simplifies your planning process and allows you to make an educated decision. Mensh Insurance has effectively managed discounted disability insurance programs for Medical Societies in the Mid Atlantic, The North Carolina Bar Association, and a major Winston Salem based teaching hospital.