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DISABILITY INSURANCE – SPECIAL LIMITS
Special I&P Limits
for Medical Students, Residents, and professionals entering practice
Students
|
|
UNION CENTRAL
|
METLIFE
|
PRINCIPAL
3rd and 4th year
|
STANDARD
final year
|
BERKSHIRE
|
|
Fourth-year Medical or Osteopathic Std.
|
$2500
|
2500
|
2500
|
2000 - all 3P
|
2100
|
|
Third-year
Medical or Osteopathic Std.
|
$1500
|
-
|
2500
|
2000 - all 3P
|
-
|
|
Final-year
Dental Students
|
$2500
|
2500
|
2500
|
2500
3rd and 4th year
|
2100
|
|
Veterinary
St. 4th yr
|
$2000
|
2000
|
2000
|
1500
|
2000
|
|
Senior Law
Students
|
$1500
|
1500
|
2000
|
1000
|
3000
|
|
Pharmacy
Students
|
$1500
|
1500
|
1500
|
1500
|
1500 (final 2 yrs)
|
|
Accounting
students
|
|
1500
|
|
1000
|
1500
|
|
Architect,
Engineer
|
|
1500
|
|
1000
|
1500
|
|
Computer
science
|
|
|
|
1000
|
1000
|
|
MBA
Program
|
|
|
|
|
2000
|
|
Optometry
|
|
|
|
1000
|
3000
|
|
Podiatry
|
|
|
|
1000
|
1000
|
Professionals in Residency or Fellowship
|
|
UNION
CENTRAL
|
METLIFE
|
PRINCIPAL
|
STANDARD
|
BERKSHIRE
|
|
Physicians
and Osteopaths
|
$5000
|
Fellow $4500
Resident $4000
Intern $3500
|
4000
|
Fellow $5000
Resid(1-2) 3500
Resid(3-4) 5000
3P Intern 2500
|
Fellow $4000
Med. Declared yr.3+ $3750
Yr.1&2 and Undeclared $3500
|
|
Dentists
|
$3000
|
4000
|
3500
|
3500
|
3500
|
|
Pharmacists
|
$2000
|
|
1500
|
1500
|
1500
|
|
Veterinarians
|
$2000
|
|
2000
|
1500
|
2000
|
|
Podiatrist
|
|
|
2500
|
1000
|
1000
|
|
PhD
Psychologist
|
|
|
|
1000 last yr.
|
|
Professionals Entering Practice*
|
|
UNION
CENTRAL
|
METLIFE
|
PRINCIPAL first 2 years
|
STANDARD
first 2 years
|
BERKSHIRE
|
|
Physicians
and Osteopaths**
|
$6000
|
6500
|
6000
|
6500
|
5000
|
|
Architects
|
$3500
|
3000
|
4000
|
2000
|
3000
|
|
Attorneys
|
$3500
|
3000
|
4000
|
3500
|
3000
|
|
CPA’s
|
$3500
|
3000
|
4000
|
3000
|
3000
|
|
Engineers
|
$3500
|
3000
|
4000
|
3000
|
3000
|
|
MBA
Professional
|
|
|
|
|
2000
|
|
Optometrists
|
$3000
|
3000
|
4000
|
2000
|
3500
|
|
Pharmacists
|
$3000
|
3000
|
4000
|
2500
|
3500
|
|
Veterinarians
|
$3000
|
3000
|
4000
|
2500
|
3000
|
|
Physician
Assistants
|
$2000
|
|
3000
|
2000
|
1500
|
|
Nurse
Pract.; CRNA
|
$1000
|
|
3000
CRNA $2500
|
3000
Last yr.training $1500
|
1000
|
|
Computer
science
|
|
|
|
2500
|
2000
|
Specialty
Physicians Entering Practice*
|
|
UNION
CENTRAL
|
METLIFE
|
PRINCIPAL
first 2 years
|
STANDARD
|
BERKSHIRE
|
|
Cardiologists
|
$6000
|
6500
|
6000
|
6500
|
6500
|
|
Dermatologists
|
$6000
|
6500
|
6000
|
6500
|
5250
|
|
Gastroenterologists
|
$6000
|
6500
|
6000
|
6500
|
6000
|
|
Hematologists
|
$6000
|
6500
|
6000
|
6500
|
6250
|
|
Neonatologists
|
$6000
|
6500
|
6000
|
6500
|
6500
|
|
Neurosurgeons
|
$6000
|
6500
|
6000
|
6500
|
7500
|
|
Obstetricians, OB/GYNs
|
$6000
|
6500
|
6000
|
6500
|
5750
|
|
Oncologists
|
$6000
|
6500
|
6000
|
6500
|
6000
|
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Ophthalmologists
|
$6000
|
6500
|
6000
|
6500
|
6000
|
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Orthopedic
Surgeons
|
$6000
|
6500
|
6000
|
6500
|
7000
|
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Otolaryngologists
|
$6000
|
6500
|
6000
|
6500
|
6250
|
|
Pathologists
|
$6000
|
6500
|
6000
|
6500
|
5500
|
|
Plastic
Surgeons
|
$6000
|
6500
|
6000
|
6500
|
5500
|
|
Radiologists
|
$6000
|
6500
|
6000
|
6500
|
6750
|
|
Surgical
Specialties, not listed elsewhere
|
$6000
|
6500
|
6000
|
6500
|
6500
|
|
Urologists
|
$6000
|
6500
|
6000
|
6500
|
6500
|
|
Ph.D.
Psychologist
|
|
|
3000
|
2500
|
3000
|
|
Podiatrist
|
|
|
2500
|
2000
|
2000
|
|
Anesthesiology; ER Physician
|
|
|
|
5000
|
|
Dentists and
Dental Specialties - first year practice*
|
|
UNION
CENTRAL
|
METLIFE
|
PRINCIPAL first 2 years
|
STANDARD
|
BERKSHIRE
|
|
Oral
Surgeons
|
$5500
|
6000
|
5000
|
4000
|
5250
|
|
Endodontists
|
$4500
|
6000
|
5000
|
4000
|
4000
|
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Orthodontists
|
$4500
|
6000
|
5000
|
4000
|
5000
|
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Periodontists
|
$4500
|
6000
|
5000
|
4000
|
4500
|
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Prosthodontists
|
$4500
|
6000
|
5000
|
4000
|
4500
|
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General
Dentists
|
$4000
|
4000
|
5000
|
3500
|
4000
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*These amounts are
available, less any disability benefits the applicant currently has in
force. Professionals entering practice are defined as those who are
within two years post graduation from an appropriately accredited
institution. **Unless listed elsewhere
If you have
questions or need assistance regarding these limits, please contact
Disability Center at (888) 677-6575 or email
Office@DisabilityCenter.com
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