Guaranteed Issue MSSNY Members
Guaranteed Issue Disability Insurance Offer for MSSNY Members
Available Until July 15, 2026
Do you have enough disability insurance? If you are a Medical Society member who is under age 50 and belong to a county in upstate or western New York, we have an easy, economical way for you to improve your disability protection.
For a limited time, disability income insurance is available on a guaranteed issue basis to MSSNY members under age 50, in MSSNY Districts 3—9, and in active practice. This means that you can qualify for coverage regardless of your health, medical history, and weight. No physical exam or bloodwork is required. This offer is only available through MSSNY’s endorsed disability insurance administrator, Charles J. Sellers & Co., and you need to apply by July 15, 2026.
Up to $3,000/month ($36,000/year) of coverage, payable for up to seven years, is available through this guaranteed issue offer. This is a great opportunity for members who might otherwise be unable to obtain disability insurance due to health issues, or who wish to easily supplement existing disability coverage.
Higher amounts of coverage (up to $17,000/month, depending on your income) and longer benefit payment periods (with benefits payable up to your Social Security Normal Retirement Age) are available with medical underwriting. It’s a wise financial move to secure as much income replacement as you can while you still qualify medically, so that if you become disabled, you and your family don’t experience a drastic drop in income. And it’s important to apply for underwritten coverage while you are healthy – once you develop a disabling condition, it is usually too late to obtain coverage.
If you have coverage through your employer, it’s important to review the details of that policy – do you know how much income would you receive if you were disabled? Most employer-based plans pay a percentage of income, capped at a set monthly amount. If you earn more than that cap, you should consider supplemental personal coverage to prevent a significant decline in income in the event you are disabled.
For more information, please call or text Sellers & Co. at 716-627-5400, or visit www.sellersinsurance.com for rates, policy details, and an online application. Remember, the guaranteed issue offer is available only until July 15th!
