As a CAP member, you receive automatic life and disability insurance, providing essential protection for you and your family in the event of injury, illness, or loss.
| Effective January 1, 2026, your automatic life and disability benefits increased. | |
| Life Insurance Benefit: | Increased by $5,000—from $10,000 to $15,000 |
| Disability Insurance Benefit: | Doubled from $2,000/month to $4,000/month |
CAP members also receive these automatic benefits at no cost:
- Employment Practices Policy (EPP): Up to $50,000 for legal expenses associated with employment-related lawsuits
- MedGuard Policy: Up to $25,000 per year in legal expenses associated with certain disciplinary proceedings or government investigations of alleged fraud, abuse, or non-compliance
- CyberRisk Insurance: Provides $50,000 of protection against potential data breaches
Certain exclusions and/or deductibles may apply.
Additional Coverage Is Essential
CAP members can purchase additional coverage and other key insurance products at exceptional rates through CAP’s relationship with Symphony Health, a division of Symphony Risk Solutions.
Personal Insurance
Most are guaranteed with no health exams required!
Life Insurance: Up to $500,000¹
Disability Insurance: Up to $10,000 per month²
Vision/Dental Insurance: Savings on routine care and major services
Long-term Care: Dual long-term care and life insurance policy
Health Insurance: Tailored to individuals and groups
And more!
Business Insurance
CyberRisk Liability Coverage: Up to $1 million in coverage
Business Owner’s Policy (BOP): Low rates on combined coverage
Workers’ Compensation Insurance: Required by law, coverage at low rates
Employment Practices Liability Insurance (EPLI): Coverage for employment-related lawsuits.
And more!
Contact Symphony Health for a Free Consultation!
Call: 800-819-0061
Email: HealthCareServices@SymphonyRisk.com
Visit: www.CAPphysicians.com/contactSH
¹New CAP members within the first 90 days of membership have the option to purchase up to $500,000 in life insurance with no required health exams. Members who are currently enrolled in supplemental life coverage and not at the current $500,000 maximum may get an additional $50,000 of life insurance benefits with no medical underwriting required.
²To 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. Income from the tax year immediately prior will be used to determine benefit at time of claim for long-term disability.