Mental & Nervous and Drug & Alcohol (MNDA) Provisions

GLOSSARY > MENTAL & NERVOUS AND DRUG & ALCOHOL (MNDA) PROVISIONS

Mental & Nervous and Drug & Alcohol (MNDA) Provisions

Doctors face a significant amount of stress due to the daily grind and demands of their profession. This stress can often lead to burnout.

Most group disability contracts rely on lifetime limitations to MNDA contract limitations in order to save costs.

Disability Guard for DoctorsTM includes a per-occurrence MNDA provision. With a per-occurrence provision, if an insured suffers from an MNDA disability, fully recovers, but then relapses six months after the recovery date, they will be eligible for another 24 months of MNDA benefits.

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MGIS

MGIS is a leading national insurance program manager experienced in building and managing specialized insurance programs for doctors. We partner with highly rated insurers and focus on disability and life insurance for practices of all sizes, types, and medical specialties. Insurance policies managed by MGIS are backed by the underwriting companies of Reliance Matrix and Certain Underwriters at Lloyd’s. We work exclusively through select brokers and insurance advisers. MGIS services are provided by MGIS affiliated companies: The MGIS Companies, Inc., Medical Group Insurance Services, Inc., and MGIS Underwriting Managers, Inc. (DBA as MGIS Professional Insurance Solutions in CA and MGIS Underwriting Agency in NY).

Reliance Matrix

Reliance Matrix is a branding name. Reliance Standard Life Insurance Company (Home Office Schaumburg, IL) is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. First Reliance Standard Life Insurance Company (Home Office New York, NY) is licensed in New York and Delaware. Standard Security Life Insurance Company of New York (Home Office New York, NY) is licensed in all states. Long-Term Disability, Short-Term Disability and Life coverage is offered under group policy forms LRS-9660/ICC-LRS-9660, LRS-6451 and LRS-6422, respectively. Absence services are provided by Matrix Absence Management, Inc. Administration for physician products is provided by Medical Group Insurance Services, Inc. (MGIS), in all states, except as follows: in CA by MGIS Insurance Agency, Inc.; in NY by MGIS Insurance Agency; in NC by Insurance Administration, Inc., d/b/a MGIS NC. Product features and availability may vary by state.

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