Benefits to Help Protect More of Your Income

Your income makes the life you enjoy possible. Explore Henry Ford Health’s income protection resources and take the next step that is right for you.

At Henry Ford Health, the well-being of our team members is our priority. These resources can help you understand your Group LTD foundation and the individual coverage available to complement it.
Income protection, made personal

You can’t predict. You can prepare.

A disability can happen without warning and interrupt the income your life is built around. Start wherever it feels most useful: discover your profile, explore your plan, or calculate your potential income gap.

Video overview

Understand how income protection works.

Watch this plain-language educational video before exploring your personalized profile, calculator and coverage options.

Choose your next step

Explore your income protection resources

Each resource takes only a few minutes.

01

Find Your Income Protection Profile

Answer a few questions about your chapter of life and the priorities your income supports.

See My Profile →
03

Calculate Your Potential Gap

Compare your income with the benefits your Group LTD plan may replace.

Open the Calculator →
04

Get Answers

Review physician-focused questions about eligibility, guaranteed issue, policy features, portability and claims.

Read the FAQs →
Frequently asked questions

What team members often ask

Group LTD is an important foundation. IDI is individually owned coverage that may help address income that Group LTD does not replace.

Questions? Contact HFCB.800-258-8429customerservice@hfcb.com
What is Individual Disability Insurance?

Individual Disability Insurance (IDI) is individually owned coverage designed to replace a portion of income during a covered disability. It can complement the foundation provided by Group Long-Term Disability (LTD).

How does IDI work with Group LTD?

IDI can layer with Group LTD to help protect more of your income, subject to each plan’s and policy’s terms. Group LTD and IDI claims are reviewed independently.

Why might there be an income protection gap?

Group LTD typically replaces a percentage of eligible income up to a monthly maximum. The maximum and the plan’s definition of eligible compensation can leave part of your income unreplaced.

What happens if I leave Henry Ford Health?

Because you own an IDI policy, you can generally take it with you if your employment changes, subject to the policy’s terms and continued premium payment.

Where do I review my options and record my decision?

Use the enrollment website linked on this page. There you can review personalized options and record your decision before the enrollment deadline.