Don’t Miss Your Last Chance to Take Advantage of Personal Insurance Products at Discounted Rates. Open Enrollment Ends on November 15!

  • November 7, 2023
  • The Cooperative of American Physicians

CAP members have until November 15, 2023, to take advantage of competitively priced insurance products. The new coverage period goes into effect January 1, 2024.

Visit www.CAPphysicians.com/enroll to Enroll Now! 

As a CAP member, you can benefit from excellent group rates and the expertise of licensed insurance agents who have a deep understanding of physicians’ unique needs.

Protect you and your family against unexpected life events that could threaten your financial security and well-being.

Income Protection   Safeguard Your Income in Case of an Accident or Illness

No Medical Exam Required!

 

Short-Term Disability¹

$1,000 weekly benefit paid in addition to state disability benefits. Supplements 90-day elimination period of Long-Term Disability policy.¹

Long-Term Disability1,2 

Up to a $10,000 maximum monthly benefit available, or 60% of
your income.

Family Protection Financial Security for You and Your Family

Life Insurance3,4 

New CAP members can get up to $500,000 in coverage in their first
90 days, members with existing coverage can add $50,000 of coverage without a medical exam.

Personal Protection Added Peace of Mind for Your Security

Legal Plans

Experienced attorneys can help with estate planning, home sales,
tax audits, and more.

Identity and Fraud

Fraud protection, digital security, and identity theft protection,
under one plan.

Medical Protection When Your Health Plan Coverage Isn’t Quite Enough

Dental and Vision

Multiple coverage options available with a wide range of in-network and out-of-network providers. Plus, there is no waiting period.

Accident Insurance Benefits

Scheduled benefits up to $50,000 for unforeseen accidents or injuries.

Critical Illness Insurance5 

Lump sum payment up to $30,000 when you or your covered dependents are diagnosed with a critical illness.

Hospital Indemnity Insurance

Up to $2,000 for hospital admission and $400/day for 15 days.
No pre-existing condition exclusions.

 

For questions or help enrolling:

Call: 800-819-0061, Press 5, or

Email: healthcareservices@symphonyrisk.com

*To safeguard member confidentiality, the Social Security number in the system will be displayed as the last four digits of your CAP member number.

*To be eligible, you must be working in healthcare at least 17.5 hours/week and cannot be currently disabled or at the time coverage becomes effective. Other limited time pre-existing condition exclusions may apply.

¹Limited time pre-existing condition exclusions apply.

²Income from the tax year immediately prior will be used to determine benefit at time of claim.

³Members covered by CAP longer than 90 days and not previously enrolled in supplemental life coverage.

4No medical underwriting required if currently enrolled in supplemental life insurance benefits under the $500,000 maximum.
(Underwriting required for new policyholders.) Increase above the additional $50,000 available with Statement of Health.

5Additional benefits details are available in the Resources section of the enrollment portal.