Self-reported Symptom Limitations

GLOSSARY > SELF-REPORTED SYMPTOM LIMITATIONS

Self-reported Symptom Limitations

Many carriers limit claim costs by including restrictive contract language known as “self-reported” condition limitations.

Carpal tunnel syndrome, chronic fatigue, fibromyalgia, migraines, and chemical allergies are a few examples of self-reported disabilities. These conditions are some of the leading causes of disability for healthcare professionals.

MGIS Group LTD does not include any self-reported condition limitations. We treat self-reported conditions the same as any other disability.

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MGIS

MGIS is a leading national insurance program manager experienced in building and managing specialized insurance programs for healthcare professionals. 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 members of the Sun Life group that are insurance companies and Certain Underwriters at Lloyd’s. We work exclusively through select brokers and insurance advisers. MGIS affiliated companies provide MGIS services: 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).

Sun Life

Group life and disability insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 07P-LH-PT/07C-LH-PT, 12-STDPort-C- 01, 12-GPPort-P-01, 15-GP-01, and 16-DI-C-01. In New York, group life and disability insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 13-GP-LH-01, 13-ADD-C-01-MGIS, 13-GP-LF-01, 13-LF-C-01-MGIS, 12-GPPort-P-01, 13-LFPort-C-01, 13- ADDPort-C-01, 15-GP-01, 16-DI-C-01 and 12-STDPort-C-01. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 66%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy. 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 offerings may not be available in all states and may vary depending on state laws and regulations.

© 2022 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.

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