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 |
For more details, see your Summary Plan Description.