HOME

DISABILITY INSURANCE

LONG TERM CARE INSURANCE

Eligibility & Rates  

Who is eligible?

You are eligible to participate in this plan if you:

• Are actively at work
• Are a full-time self-employed practitioner or practice employee working 30 or more hours a week
• Earn at least $15,000 annually
• Are able to medically qualify (your Frenkel advisor will explain the process and assist you).

“Actively at work” includes approved time off for vacation, jury duty and funeral leave but does not include time off as a result of injury or sickness.

How much coverage can I buy?

You can choose an amount from $500 to $5,000 per month in $100 units, as long as your selected amount does not exceed 60% of covered earnings.

“Covered earnings” means your basic earnings for up to a 40-hour workweek. It usually does not include bonuses, benefits, overtime and commissions you earn. If your plan includes commissions, the amount is averaged over 36 months.

View the monthly premium rates for ages 19 to 49

View the monthly premium rates for ages 50 to 70

The entire rate chart can be downloaded in PDF format here

NEXT: Request a Consultation

Benefits & Coverage

Eligibility & Costs

Request a Consultation