Physician benefits

If you are a physician, you receive the following enhanced benefits.

Long-Term Disability (LTD) benefits for physicians

If you have an injury or illness that keeps you away from work for more than 90 days, the LTD Plan can help protect you and your family. Ardent provides LTD coverage at no cost to you.

LTD Benefit Available Coverage
Percent of your salary that you will receive 60%
Maximum benefits you can receive Up to $15,000 per month, depending on annual salary
When benefits start After 90 days of disability
How long you may receive benefits:*
Mental nervous condition Up to 24 months unless you are hospitalized
All other disabilities Until you recover, are no longer disabled as defined by the contract or you reach Social Security normal retirement age, whichever comes first
Guarantee Issue Up to $15,000

* Reduced benefits are available beginning at age 60. See your Summary Plan Description for the complete reduction schedule.

This enhanced benefit is designed to provide you with disability benefits on a tax-free basis. To do this, Ardent increases your gross income (shown on your W-2) to cover the cost of your premium for LTD benefits.

For more details, see your Summary Plan Description.

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