Auto/Home/Umbrella/Identity Theft

Allied Insurance

We have partnered with Allied Insurance, a member of Nationwide Insurance, to offer you all lines of personal insurance including automobile, homeowners, umbrella, boatowners and recreational vehicles. Allied Insurance offers 24-hour On Your Side™ service where you need it. Change your policy or ask a question when it’s convenient for you. No appointment is necessary.

Service to the medical community is our agency’s focus, so we are familiar with your coverage needs. We will complete a thorough assessment of your current coverage and provide a detailed explanation along with insurance options.

The Allied Extra

Four bonus insurance coverages…and a big premium discount when you insure both your personal auto and your home with Allied.

1. Emergency lockout coverage
2. A single deductible for a claim when both your auto and home are affected by the same event
3. Air bag replacement
4. $10,000 accidental death benefit

Identity Theft Coverage

This coverage offers an additional service feature through a partnership with Identity Theft Assist™. Available 24/7, one phone call will connect you to an experienced representative who will:

• Assist with identifying fraudulent accounts
• Place a “fraud alert” on policyholder credit reports
• Report the identity theft to the local policy, the Federal Trade Commission, and other credit reporting agencies

On Your Side® Rewards

• Accident forgiveness / Minor violation forgiveness
• Roadside assistance
• New car replacement / GAP coverage
• Diminishing deductibles / Total loss deductible waiver

To learn more, contact Melissa Schall at melissa.schall@wismed.org or 800.975.3418.

For a free, no obligation quotation, please complete our Personal Insurance Questionnaire.

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Chubb Personal Insurance

We also offer Chubb Insurance with products for individuals with fine homes and possessions who require more coverage choices and higher limits than standard insurance policies.

• Chubb's Masterpiece® suite of products offers insurance for primary and vacation homes and contents, city homes, valuable possessions, automobiles, watercraft and personal liability.
• Much of the world's individually owned precious jewelry is insured through Chubb.
• Chubb insures over 60 percent of the Forbes 400 wealthiest people in the U.S.

To learn more, contact us through our on-line contact form, on-line quote questionnaire*, or through e-mail at melissa.schall@wismed.org or phone 800.975.3418.

*You must save the questionnaire form prior to filling out the fields in order to save a completed document to be sent back to us.

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Disability

Most people understand the value of life insurance, and they don't hesitate to insure autos and homes. Yet they neglect to insure what provides their financial security-their income! The financial impact of a long-term disability (90 days or more) can have a devastating impact on individuals, families and businesses. During the course of your career, you are 3 ½ times more likely to be injured and need disability coverage than you are to die (Health Insurance Association of America, 2000). While many physicians have group disability coverage, it may not provide adequate benefits if you are no longer able to practice.

Disability Income Insurance FAQ & Individual Business Disability

Click here to read seven frequently asked questions about disability income insurance and information about individual business disability insurance.

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Health

Coverage Plans Designed for You

• Health Savings Accounts (HSA)
  An HSA is a tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical expenses of the account beneficiary who, for the months for which contributions are made to an HSA, is covered under a high-deductible health plan.
  
  HSAs offer an impressive list of attractive features:
  • No use-it-or-lose-it — you may accumulate funds and self-direct investment in a tax-exempt trust or custodial account.
  • Ability to use funds for non-medical purposes, but with penalties.
  • Account portability.
  • Policyholders substantiate expenses.
  • Certain eligible family members may make contributions to an HSA on behalf of the eligible individual.
  U.S. Treasury HSA Web site: http://www.ustreas.gov/offices/public-affairs/hsa/
  
  Click here to read the WPS Non-Member HSA Summary Benefits.
  
  

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• Preferred Provider Plan (PPO) WPS combines comprehensive benefits and freedom of choice with proven cost-saving strategies and flexible plan options designed to assure that you have access to affordable, quality health care.
  
  • No referrals
  • Freedom to choose providers
  • Comprehensive health benefits
  • Expansive preferred provider networks
  • Flexible plan options to fit any budget
  • Opportunity to limit annual out-of-pocket expenses
  
  Click here to read the WPS Non-Member PPO Summary Benefits.
  
  Participants can choose to see any health care provider, yet will still receive the highest level of benefits when they see preferred providers. That translates into lower out-of-pocket costs for participants and reduced benefit costs for everyone!




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• Instant Protection Plan (IPP)
  Between Jobs?
  
  In a waiting period for a group plan?
  
  Eliminate your health insurance worries now!
  
  The WPS Instant Protection Plan (IPP) is a temporary coverage plan that becomes effective the day after the postmark on the application envelope, or if you request a date and we approve, a later effective date. With this plan you will enjoy short-term comprehensive medical and hospital benefits under a customized plan that meets your individual needs.
  
  With IPP, you choose a coverage period from 30 to 185 days, or any number in between. So, you only pay for the duration of coverage you need. The IPP is not an HMO or PPO. You have the freedom to see the medical professionals you choose.

In addition to WPS, we work with a number of other group health insurance companies. To request more information please use our on-line contact form.

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Life Insurance

Types of Insurance

• Whole Life Insurance:
  Click here to read more.
• Universal Life Insurance:
  Click here to read more.
• Term Life Insurance:
  Click here to read more.

To discuss your life insurance needs, contact us through our on-line contact form.

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Long Term Care

What is Long-Term Care?

Long-term care refers to a broad range of supportive medical, personal and social services needed by people who are unable to meet their basic living needs for an extended period of time. This may be caused by an accident, illness or frailty. Such conditions include the inability to move about, dress, bathe, eat, use a toilet, medicate and avoid incontinence. Also, care may be needed to help the disabled with household cleaning, preparing meals, shopping, paying bills, visiting the doctor, answering the phone and taking medications. Additional long-term care disabilities are due to cognitive impairment from stroke, depression, dementia, Alzheimer's, Parkinson's and so on. This support can be offered at home or in an institution.

The cost of a nursing home ranges from $30,000 to $80,000 per year. Home and community care can range from $12,000 to $50,000 per year. Statistics show that after paying for 1 year of long term care, 72% of elderly Americans are impoverished (Day, T. 2005. Long Term Link).

Click here to read further information on long-term care.

To learn about how to protect your assets through acquiring Long Term Care Insurance please contact us using our on-line contact form or feel free to complete our LTC worksheet and fax it to 608.442.3810 or mail to Wisconsin Medical Society Insurance and Financial Services, 330 E. Lakeside St., Madison, WI 53715.