THE INTERNATIONAL SOCIETY OF AESTHETIC PLASTIC SURGERY AND PFS
We are pleased to announce that ISAPS and PFS are now offering Temporary Disability Benefits to replace up to 60% of your annual income (up to $50,000 per month for up to 120 months after a 90 day waiting period) per qualifying physician. Coverage is meant to be taken in excess of your existing base group plan. Furthermore, benefits are own-occupation and are tailored to you. Also included is a “Commutation clause” which would commute all future monthly benefits to a lump sum amount using a 5% annual rate of return if the Covered Individual is continuously disabled for 36 months or longer.
Additional benefits, including permanent total disability benefits up to $10,000,000 may be available with supplementary Underwriting. Please note policies are a maximum of five years and new underwriting would be necessary for renewal coverage (if applicable).
Any individuals that purchase a policy during the enrollment period will receive preferred pricing (a twenty percent [20%] discount off the regular pricing) and simplified underwriting for own occupation coverage. No medical exams, blood tests or urine tests are necessary for coverage.
HOW TO ENROLL AND FIND OUT MORE
1. Complete ISAPS simplified issue application
2. Receive quote from PFS
3. Request an electronic invoice
4. Send a check to PFS to bind coverage
5. Electronic copy of policy emailed to you
6. Other coverage options available with additional Underwriting
WHO IS PFS?
PFS is a Managing General Underwriter on behalf of Lloyd’s of London.
We have been underwriting specialty insurance for over three decades.
Lloyd’s of London is a non-admitted carrier in the U.S.
It’s current financial ratings are:
|Standard and Poor's
“Temporary Total Disablement, Temporary Total Disability, Total Disablement, Total Disability, Totally Disabled, or Temporarily Totally Disabled” means the Covered Individual’s complete and total physical inability as a result of the Accidental Bodily Injury or Sickness or Disease to Participate, as defined in the Policy, in his or her Occupation as stated in the SCHEDULE.
Please click here to fill out the form and send back to PFS completed via US Postal Mail or e-mail ([email protected]). Once received, we will send you a policy quote and/or follow up with any additional information required.
THANK YOU FOR CHOOSING PFS AND WE LOOK FORWARD TO WORKING WITH YOU!