Welcome to Finity Group, your GME endorsed provider of disability income protection for Rutgers University Residents and Fellows. Doctors and other medical professionals face unique financial challenges that traditional financial planners may not be familiar with. At Finity Group, we specialize in financial planning for doctors, dentists and other medical professionals.

You Have Invested Heavily in Yourself, it is Time to Protect Your Future Income

You have invested a lot of time and resources in preparing for a successful career practicing medicine. Now that you are close to graduating, it is very important to adequately protect your future income. Our Guaranteed Standard Issue (GSI) program can help.

The advantages of a GSI program include:

• Individual disability insurance coverage up to $15,000 (through a Benefit Increase Rider) per month with limited medical underwriting
• Own Occupation Specialty definition of disability
• 20% discounted rates and level premiums that are guaranteed for the life of your policy

What is medical underwriting?

Medical underwriting is required to obtain nearly all individual disability insurance coverage. Insurance companies can go back 5-10 years on minor health issues and can even request medical records for medical issues going back an entire lifetime to help determine if an application can be approved or if rated premiums or exclusions are necessary. Applying for coverage under a GSI program helps minimize medical underwriting requirements.

Approval for disability income insurance includes meeting eligibility requirements like the following:

• You must be an active Resident or Fellow at Rutgers University
• You must have been actively at work 30 hours/week or more for the last 90 days
• Answering four health related questions
• Have not been declined for disability insurance by another insurance company in the last 5 years

Amount of coverage is based on your level of training
Final year residents & fellows within 6 months from graduation	Up to $7,500/month with a Benefit Increase Rider Minimum benefit of $2,500/month
Residents & fellows outside 6 months from graduation	Up to $6,000/month with a Benefit Increase Rider Minimum benefit of $2,500/month

Summary of Individual Disability Insurance Policy Features from Ameritas
Medical Specialty Own Occupation Definition of Disability	You are protected in your own occupation and medical specialty through the entire benefit period.
Noncancelable & Guaranteed Renewable	The insurance company cannot cancel your policy, change your policy provisions or change the rates on your policy as long as premiums are paid on time.
90 Day Elimination Period	The number of days you must be disabled before benefits can be paid.
To Age 65 Benefit Period	The duration that your policy can pay you a benefit.
Residual / Partial Disability	If you are disabled and able to only work part-time resulting in income loss, a partial benefit is payable.
Inflation (COLA) Adjustment Rider	Increases the total monthly benefit after one fully year of disability, to help offset the effects of inflation.
Benefit Increase Rider	A rider to increase your monthly benefit up to $15,000/month, to keep up with increases to your income.
Student Loan Repayment Rider	An additional monthly benefit designed to reimburse for student loan payments made during a disability.
Catastrophic Benefit Rider	An additional benefit for which you may qualify if you are unable to perform two or more activities of daily living without stand-by assistance; or you require substantial supervision due to severe cognitive impairment (activities of daily living are: dressing, toileting, transferring, continence, eating, and bathing).
COBRA Premium Benefit	If you lose employment due to your disability, this feature reimburses the cost of COBRA health insurance premiums (individual or family) up to $1,000 per month, for a maximum of 18 months.
Catastrophic Disability	An optional rider to add additional monthly benefit if you are unable to perform two or more activities of daily living without assistance or if severely cognitively impaired.