Malachy Whalen & Company, Inc. 
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Providing Life and Disability Insurance for Physicians Since 1965
About Us Long Term Care Term Life Disability Coverage Not so "Perfect" Risk HIV Coverage
Disability income insurance for Physicians
 
Disability income insurance provides continuation of income in the event of total or partial disability. Disability income insurance is the most important insurance for the security of a physician's family. Your disability policy may include some of the following features:

Non-cancelable and guaranteed renewable coverage to age 65
Total disability defined as the inability to perform the duties of "your specialty."
Various elimination periods
  • 60 day
  • 90 day
  • 180 day
Various benefit periods
  • 5 year
  • to age 65
  • lifetime
Cost of living adjustment (COLA) and future purchase options

Business Overhead Expense Insurance
Business Overhead Expense Insurance provides for continuation of employee's salaries and payment of ongoing office expenses when a physician is disabled.
The contract is non-cancelable and guaranteed renewable until age 65.
A "your specialty" definition of disability
Various elimination periods
  • 30 day
  • 60 day
  • 90 day
Various benefit periods
  • 12 months
  • 18 months
  • 24 months
We will work with your attorney and accountant to custom design your plan.
Disability Buy/Sell Insurance
Disability buy/sell insurance provides for the orderly transfer of practice ownership upon the disability of any partner. Its benefits enable the practice to continue without having to deplete its assets or current income to buy out a disabled partner.
A "your specialty" definition of disability
Various elimination periods
  • 12 month
  • 18 month
  • 24 month
A "Lump Sum" benefit or a monthly payment
Funding arrangements designed in conjunction with your attorney and accountant to correlate with your life insurance buy & sell plan.

How to Apply:

These plans are individually designed to fit your particular needs; please provide the following background information:
Name
Address
E-mail
Phone
Date of Birth
Specialty
Current Coverage?YES   NO 
Current Coverage Amount
Current Income
Health Issues
Type of Coverage Desired
Individual Business Overhead Buy/Sell Coverage 
Monthly Expense
 		Practice Value
 

  

      

  Since 1968, Malachy Whalen & Company has been endorsed by the Allegheny County Medical Society to provide life insurance programs for ACMS members.
      
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Malachy Whalen & Company, Inc. 725 Oliver Building Pittsburgh, PA 15222
Telephone 412-281-4050 or 1-800-343-5382
FAX 412-261-5955 or 1-800-455-8806

Copyright 2009, Malachy Whalen & Company, Inc.