Strong Tradition, Powerful Partnership: Sun Life Financial and Medical Group
Insurance Services, Inc. (MGIS) have partnered to become the nation’s leading
provider of Physician Group Disability and Life plans.
PhysicianGroup
Benefits
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Experience meeting the unique benefitneeds of physicians, dentists, and othermedical professionals
International financial strength
Ability to make things easy
Best-in-class contract features customizedto a physician’s or dentist’s specialty
The Best in Group Benefits for Physician Groups
When it comes to group benefits, physicians, dentists, and other medical professionals
require special attention. Not only do these groups want hassle-free administration of
their Disability and Life plans, they also have a wide variety of medical specialties, job
capabilities, and compensation structures that require specialized plan designs.
Since 1969, MGIS has arranged physician-specialized benefit solutions. They are now
the nation’s largest medical group administrator, and administer all Sun Life Financial
Employee Benefits Group physician plans. Chartered in 1865, Sun Life Financial
is an international powerhouse known for its impressive financial strength and stellar
insurance products. As industry leaders, we have partnered together to offer physician
groups the best in Group Disability and Life benefits. Look around, and you will
soon discover that our combination of service and coverage is truly unbeatable.
Physicians, dentists, and other medical professionals
have unique needs as customers ...
Specialized coverage, and a focus on superior service.
We are proud to offer you both.
International financial strengthWe’ll be here when you need us.
Sun Life Financial is aninternational financialservices powerhouse,
serving millions of peoplein the United States,Canada, the United
Kingdom, Hong Kong,the Philippines, Japan,
Indonesia, India,China, and Bermuda.
The 3rd largest insurancecompany in NorthAmerica, based on
market capitalization,2
we are a top 10 groupinsurance carrier
in the U.S.3
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• Canada
• United States
• Bermuda
• Brazil
• Chile• Argentina
• United Kingdom• Ireland
• Bahrain
• India
• People’s Republic of China
• Japan
• Hong Kong
• Philippines
• Indonesia
• Australia
Singapore •
Choosing the most financially secure carrier for Group Disability and Life benefits is the
best way to ensure that physician group employees receive the financial support promised
to them—whether they need that support today or decades into the future.
Sun Life Financial enjoys independent ratings that place us among the top financial
companies in North America. Ask your local Sun Life Financial Representative for a side-by-
side financial and rating comparison with other carriers.1 You’ll see that we’re hard to beat.
And don’t you want that kind of financial strength supporting your Physician Group
Disability and Life plans?
Sun Life Financial Worldwide Operations
1 For up-to-date ratings, please check the Investor Relations section of our corporate website at www.sunlife.com.2 According to Bloomberg as of April 1, 2009.3 Ranking based on inforce premium. For Life, JHA 2008 US Group Life Market Survey; for Disability, JHA 2008 U.S. Group
Disability Market Survey; for Stop-Loss, internal market research.
Physicians, dentists, and other medical professionals have unique service and insurance needs that
can only be met by companies with extensive technical expertise. We have that expertise. In fact,
we are a market leader in serving physician groups in North America. Over one million employees
in the medical industry call on us for service.
Together, Sun Life Financial and MGIS provide the best physician group benefit plans
through our combination of specialized services, physician and dentist group knowledge and
experience, and feature-rich products.
Experience meeting the unique benefitneeds of physicians, dentists, and othermedical professionals
We have the expertise to offer the best.
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As the nation’s largest provider of insurance services to physician groups, MGIS has the
knowledge, the resources, and the consistent experience to assure our customers are well
taken care of for all their group benefit needs. MGIS sees itself as a physician’s advocate.
More than 90% of our physician group customers renew with us every year ... a statistic
that serves as proof of our service excellence.
Experienced MGIS Account Managers
The last thing a busy physician’s or dentist’s office needs is to worry about who to call with
insurance questions. That’s why MGIS Account Managers are the first line of support. Our
team of professionals is specially trained to manage all areas of benefits administration,
including enrollment, eligibility, communication, and claims. Our customers know they can
count on their dedicated Account Managers for knowledgeable, prompt, and courteous service.
Easy administrationMGIS also makes things easy for our customers through technology. With the MGIS
Compass Administration System, customers can pay bills online, see prior bills, see
detailed account information, download census data, update employee information, and
download forms. Best of all, because we recognize that no two practices are the same,
billing information is available in a variety of formats—through a hard copy list bill, an
online bill, or over the phone by talking with one of our friendly Account Managers.
Ability to make things easyServing physicians is our strength.
threeOur Claims PromiseAll our physician groups
are supported by auniversal claims promise:
• Treat our customers withempathy and respect
• Act with integrity
• Apply the sameclaim review standards
every time
• Make prompt paymentof all eligible claims
• Provide clear, concisecommunication
Dedicated disability claims centerOur physician group customers enjoy the services of a dedicated disability claims center
located in Portsmouth, NH. This center—along with the liaison provided by the MGIS
Account Manager—assures an expert and hassle-free claims process.
• The Sun Life Financial Claims Center is staffed with professionals who are
experienced in the unique needs of physicians, dentists, and other medical
professionals—including a wide variety of specialties and sub-specialties,
compensation structures, and business organizations.
• The claims center has a wealth of resources available to it, including on-site
physician and psychiatric consultants, a network of some of the best physicians
and dentists in the U.S., a Certified Public Accountant, Registered Nurses, and
Social Security advocates.
• Sun Life Financial’s rehabilitation counselors have a deep understanding of health
care occupations, enabling them to meet the specialized needs of physicians,
dentists, and their staffs.
• Our world-class claims system allows us to quickly pull up a claimant’s file and
respond to questions on the spot. Our system also includes built-in workflows
and automated correspondence, so we can make claims decisions more quickly.
Great service ... guaranteed!While most carriers talk about great service, we actually back our promise with money-back
service guarantees for all our customers.4
Group LTD Claims 100% payment accuracy for all new LTD claims;100% compliance with ERISA service requirements
Group STD Claims 100% claims processing accuracy 98% of the time; claimsdecisions or requests for additional information within5 business days
Group Life Claims 100% of claims will be processed within 10 business days(upon receipt of complete claim documentation); requests foradditional information will be sent within 5 business days;100% processing accuracy
Customer Service 1-day response time to customer phone calls, letters, and emails
Overall Satisfaction 100% customer satisfaction
4 Certain limitations apply. If we do not meet these service standards, the policyholder is given a refund
as a percentage of premium.
We have the knowledge and experience to offer all the contract features that physician groups need
to sponsor a successful benefits plan, at a competitive price.
Long Term DisabilityOur Long Term Disability (LTD) plans provide loss-of-income security for over one million
health care professionals and their employees across the country. Our unique contract features
give physicians, dentists, and other health care professionals the protection they need.
Here are some of our standard LTD features:
• Benefits to accommodate the broad array of earnings a physician or dentist receives,
including base pay, bonuses, production formulas, partnership earnings, etc.
• “Own-Occupation” to age 65 with “Own-Occupation Specialty/Sub-Specialty”
protection for physicians and dentists
• No income loss requirement if totally disabled and not working (just a loss
of duties requirement)
• Benefit percentages up to 66 2/3%
• Monthly benefits up to $20,000 (larger maximums available)
• Liberal Guaranteed Issue levels
• Dual Residual Disability Formulas (“Best of Both Worlds” Benefits)
• Choice of Elimination Periods
• Flexible earnings definitions
• Survivor Income Benefit
• Twelve-month Sabbatical Coverage Continuation
• Retro Disability BenefitsSM
• Conversion Privilege
• Multi-year rate guarantees
• Comprehensive EAP, provided by ComPsych® Corporation
• No mandatory “managed disability” provisions for physicians, such as:
•No self-reported limitations • No Maximum Capacity language
•No Mandatory Rehabilitation • No 40-hour work week language
Best-in-class contract features customizedto a physician’s and dentist’s specialty
fourWe provide the coverage that physicians need.
• Infectious and Contagious Disease
Rider (IDR) Benefit
• Cost-of-Living Adjustment
(COLA) Benefit
• Assisted Living Benefit
• Extended Earning Benefit
• Business Overhead Expense Benefit
• Pension Contribution Benefit
• Progressive Disease Benefit
• Relocation Expense Benefit
• Child Care Benefit
• COBRA Continuance
Premium Benefit
• Dependent Child Continuing
Education Benefit
• Social Security Incentive
Endorsement
Here are some of our optional LTD features:
Short Term DisabilityOur Short Term Disability (STD) programs provide physician group employees with seamless
transitions to LTD. We also set ourselves apart through superior analysis for early intervention
opportunities, quick claim turnaround times, and online claims submission and status.
Here are some of our standard features:
• Satisfy Elimination Period with total or partial disability
• Total and partial disability benefit
• Weekly benefits up to $2,000
• Benefit percentages up to 66 2/3%
• Up to 100% replacement on partial disability
Group LifeOur Group Life and AD&D programs focus on the special requirements of physician groups:
high benefit levels, generous Guaranteed Issue amounts, and continuing protection in case
of a disability.
Here are some of our standard features:
• Flexible benefit schedules with high guaranteed issue limits
• Accelerated Benefits provisions that provide early access to benefits
• Integrated LTD/Life Waiver of premium process with no waiting period
• Portability and Conversion
• Emergency Travel Assistance for employees, provided by Assist America
• SecurAssist® for employers, provided by Assist America
• A wide variety of Voluntary Life programs
When it comes to providingbenefit plans to physiciangroups, our partnershipprovides the best inservice and the best incoverage. There is simplyno comparison.
Choose Sun LifeFinancial and MGISfor the Best inGroup Benefits forPhysician Groups!
Administration by:
Medical Group Insurance Services, Inc.
1849 W. North Temple
Salt Lake City, Utah 84116
www.mgis.com
Customer Service for SLF/MGIS Physician Groups: MGIS at 1-800-969-6447
Retro Disability Benefits is available in all states except CA and VT. Guaranteed Issue for Smaller Physician Practices is available in all states except CA.Updated Material and Substantial Duties Definition, Dentist Definition, and Waiver of Pre-Existing Conditions for Transferring Physicians and Dentists areavailable in all states except CA and VT. Increased LTD Conversion Benefit is available in all states except CA. Expanded Pension Contribution Benefit Rider,Recurrent Condition Definition, and Social Security Incentive Endorsement are available in all states except CA, NH, and VT. New Relocation ExpenseBenefit is available in all states except CA, CT, FL, NH, and VT. Child Care Benefit and Dependent Child Continuing Education Benefit is available in all statesexcept CA, CT, NH, VT, and VA. COBRA Continuance Premium Benefit is available in all states except CA, CT, NH, and VT.
Administration for Physician Disability and Physician Life products is provided by MGIS. In NC, administration for Physician Disability and Physician Lifeproducts is provided by MGIS NC.
The disability policies provide disability income insurance only. They do not provide basic hospital, basic medical, or major medical insurance as defined bythe New York State Insurance Department.
Group insurance policies are issued by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series93P-LH, 98P-ADD, 02P-STD, TDB Policy-2006, 02-SL, 07-SL, and 01C-LH-PT. In New York, group insurance policies are issued by Sun Life Insurance and AnnuityCompany of New York (New York, NY) under Policy Form Series 93P-LH-NY, 06P-NYDBL, 02P-NYSTD, 98P-ADD-NY, 02-NYSL,07-NYSL, and 01NYC-LH-PT.Product offerings may not be available in all states and may vary depending on state laws and regulations.
Sun Life Assurance Company of Canada is a member of the Sun Life Financial group of companies.© 2008 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved.Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada.Visit us a www.sunlife-usa.com.
MGR/1635SLPC 19660 10/08 (exp. 10/10)
Underwritten by:
Sun Life Assurance Company of Canada
One Sun Life Executive Park
Wellesley Hills, Massachusetts 02481
www.sunlife-usa.com