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a non-cancelable contract with guaranteed premiums, and benefits payable up to age 65 or 70. This coverage is generally subject to medical underwriting. Supplemental disability policies such as critical illness/ cancer insurance: Benefit that "fills the gap" in medical benefits for specific illnesses such as cancer, heart attack, stroke, carcinoma, renal disease and coronary artery disease. You have the ability to purchase between $5,000 and $50,000 of coverage. Policies may be purchased individually through employer under voluntary payroll deduction.³ If you are in the market for disability insurance, here are some questions you should consider: + How much coverage do I need, and how much can I obtain? + What extra benefits are available? + What are the third-party ratings of the insurance compa- nies being considered? + What are the definitions of total and partial disability? + How does my individual policy integrate with the group long-term disability insurance I receive from my employer? In the next series installment, I will tackle some of these questions and others as they relate to group long-term dis- ability (group LTD). Many physicians and medical employees are covered by a group LTD plan through their employers. It is important to understand the limits of these types of disability policies and why most medical professionals need to supplement this coverage with a personal disability policy. Although you hope to never collect on your disability insurance, having the right amount of coverage with the right terms and definitions, insured with a highly rated and reputable company, may be one of the most important financial decisions you make during your career. Peter L. Derrenbacker, CLU, ChFC, CFP, is a licensed insurance broker. His insurance practice, Derrenbacker Group Benefit Specialists, LLC, specializes in group benefit design and service for medical and professional groups. For more information, he can be reached at (315) 437-7677 or pderrenbacker@derrenbackergroupbenefits.com. s References ¹ 1985 Commissioner's Disability Table (a) Disability lasting at least 90 days. Best occupation classes. Sex-neutral statistics. ²NYS Workers Compensation Board: www.wcb.ny.gov. ³ Most insurance carriers require minimum number of participants to write a true "group" plan. INFUSACARETM OUT PATIENT INFUSION SERVICES MEDICAL SERVICES, P.C. 4811 Buckley Road, Liverpool, NY 13088 Ph. (315) 457-3091 • Fax (315) 457-4305 Dr. Robert A. Dracker • Medical Director • Immunoglobulin Therapy, including IVIG and HepBig • Monoclonal Therapy including Orencia, Remicade, and Tysabri • Antibiotic Administration • High Dose Steroid Therapy • Minimal referral requirements • Immediate patient scheduling • Physician on site at all times • Prolastin Therapy • Parenteral Hydration • Hyperemesis Therapy • Therapeutic Phlebotomy • Boniva, Reclast & Prolia Treatments • Nutritional, Fluid and Electrolyte Supplementation • Vascular Access Device Placement and Maintenance • Immune Suppressive Treatments THE INFUSACARE DIFFERENCE • Continuous medical supervision by nursing staff • Follow-up treatment documentation • Comfortable, pleasant environment ensuring patient satisfaction QUALITY CARE FOR PATIENTS OF ALL AGES MDNEWS.COM s MD NEWS Central New York | 17