FOI Services offers long-term disability and business-overhead coverage.
Disability benefits will be guaranteed and will not be reduced by Social Security disability benefits, income from other occupations, workers’ compensation, investments, or other sources.
Benefits at a Glance
Personal Disability Policy
- Optometrist now eligible for “Lifetime” Own – Occupation Coverage Own – Occupational & Non-Cancelable
- Up to $5,000 month coverage
- Aggregate Individual Coverage
- Cost of Living Benefits (COLA) of 3% or 6%
- Elimination Period – 1 month / 2 month / 3 month / 6 month / 1 year / 2 year
Business Overhead Expense
- Own – Occupational & Non-Cancelable
- Up to $15,000 month coverage
- Key Man replacement feature available
- Elimination Periods available – 1 month / 2 month / 3 month
- Benefit Periods – 12 month / 18 month / 24 month
Contact an FOI Services representative at (800) 877-7597 for further details.