1. An Approved Member Benefit Program Disability Income Plan Financial Protection Against Lifes Uncertainties EMRA

2. An Approved Member Benefit Program Everything you own, plan to own, or plan to pay off, depends on your future ability to earn an income. As a Resident Physician:

3. An Approved Member Benefit Program Big Picture Planning for EM Residents Allocate dollars towards current and future goals: Living Expenses Student Loan Repayments Retirement Accumulation Savings Eliminate variables by protecting against uncertainties: UncertaintySolution Medical ProblemsHealth Insurance Premature DeathLife Insurance Loss of incomeDisability Insurance

4. An Approved Member Benefit Program Your ability to earn an income now and in the future ensures your ability to reach these goals. Growth Investments Standard of Living Clothing Food Mortgage / Rent Savings and Debt Repayment: Student Loans Consumer Debts Insurance Protection Life Property Disability Health Most Peoples Financial Goals Fall Into Four Categories…

5. An Approved Member Benefit Program Workers Chances of Disability*... * A disability lasting 90 days or more before age 65. Source: Commissioners Individual Disability Table A. Statistics show that approximately 1 in 3 workers will lose the ability to work sometime before age 65 and that the average disability lasts 2.5 years* 37% 34% 20% 0% 10% 20% 30% 40% 25354555 Age Risk of Disability

6. An Approved Member Benefit Program The Disability Insurance Imperative Your Value ($) Time Admission to medical school Admission to residency Admission to practice Healthy Disabled, but INSURED Disabled, and NOT INSURED DANGER ZONE

7. An Approved Member Benefit Program Recommended Characteristics of an EM Disability Policy Cannot be dropped or amended by the insurer Premiums cannot be increased Protects your right to work in your own medical specialty Allows you to protect future income through Guaranteed purchase options Insures your benefits from inflation with Cost of Living features

8. An Approved Member Benefit Program The Resident Advantage Options for Long Term Disability Protection Prepared for: 1 st Year Physician Specialty: Emer. Medicine Assumed Tax Bracket: 35% Net Monthly Income: $9,750 Group LTD: 60% Group Limits: $10,000 Income at Disability: Option 1. 2. 3. 4. Group LTD $5,850 Individual LTD $0 $2,000 $3,500 $5,000 Total Net Income $5,850 $7,850 $9,350 $10,850 Income Replacement 60% 81% 96% 111% Option 4 assumes the maximum monthly benefit that can be purchased under the Residency and Fellowship purchase program. Contract Date: August 1 st, 2008 Initial Monthly Salary: $15,000

9. An Approved Member Benefit Program Evaluate Your Needs Review your current expenses to your house staff disability benefit (if any). During PGY1 and PGY2, buy as much as you need to protect your standard of living. (Between $500/month and $5,000/month.) Make sure you consider potential student loan repayments!

10. An Approved Member Benefit Program Act on Opportunity Before End of Residency Review contract and benefits of practice position. Determine your future disability income, if available. Apply for EMRA program to supplement practice benefits. (Up to $5,000/month.) Try to maximize opportunity before signing contract.

11. An Approved Member Benefit Program What does EMRAs Disability Income Plan offer*? Disability Income Analyzer Up to $5,000 per month tax free benefit Choice of Contracts: – EM Specific / Own Occupation Definition for the entire benefit period – Specific solutions for individual state or personal medical restrictions Cost of Living and Guaranteed future increase Age 65 or 67 Benefit Period Easy application process * Income plans are individually designed and qualified for. Some features may not be available in all states. Personal medical history may impact the availability of benefits.

12. An Approved Member Benefit Program How do I get started? 1.Complete the EMRA Data Questionnaire.EMRA Data Questionnaire 2.Receive and review your personalized Disability Income analysis and recommendation via email. 3.Follow instructions to apply. Questions? Contact Shayne Ruffing, CLU, ChFC ®, AEP EMDI@mybpginc.com