01
Find Your Income Protection Profile
Answer a few questions about your chapter of life and the priorities your income supports.
See My Profile →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.
02
Explore the Income Behind Your Life
See how Henry Ford Health’s Group LTD plan can apply at different income levels.
Open the Interactive Guide →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 →05
Schedule a Phone or Video Consultation
Speak with a Senior IDI Policy Consultant about how Group LTD and IDI work together and ask questions about your coverage options.
Schedule a Consultation →06
Review Your Options and Record a Decision
Go to the IDI vendor’s secure enrollment website when you are ready.
Visit the Enrollment Website →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 the IDI Support Team.800-258-8429customerservice@hfcb.com
IDI Support Team: A Team Member resource for IDI questions and guidance.
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.
What if I already own personal disability insurance? Am I still eligible for employer-paid and voluntary IDI?
Other personally owned disability insurance does not reduce your eligibility for employer-paid IDI. You may also remain eligible for voluntary IDI, but the monthly benefit from other personally owned IDI reduces the voluntary IDI amount available to you on a dollar-for-dollar basis.
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.