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Dr. Lisa Garza Internal Medicine
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Rates current as of 2025.
AMA Sponsored Disability Income Insurance underwritten by New York Life Insurance Company, 51 Madison Ave, New York, New York 10010, under group policy NO. G-30639-0 and on policy form GM R-FACE/G-30639-0. Coverage may not be available in all states and product features may vary by state.
Quotes are for illustrative purposes only. Rates and premium credits are reviewed and may change annually; the premium credit is locked in when coverage is issued and is guaranteed for at least the first year of coverage.
Rates are based on your age on the effective date of coverage and your attained age on each renewal date. Depending on program experience, premiums may change on the policy anniversary date (July 1) or your annual renewal date (whichever is later).
Insurance coverage purchased with after-tax funds is generally not taxable. You may wish to consult a personal Tax Advisor for further information.
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Get up to $15,000/month in benefits with flexible options, even if you change jobs or relocate.
Lock in protection now and increase it later—no additional medical exam required.
Enjoy $1,000/month in benefits through graduation—at no cost to you.
“Own-specialty” coverage ensures that if you’re unable to perform the duties of your specific medical specialty due to a covered illness or injury, you can receive benefits—even if you’re capable of working in another field or occupation. This definition is particularly important for physicians, as it protects the income associated with your specialized training and practice.
Physicians under age 55 may apply for up to $15,000 in monthly benefits. Those aged 55 to 60 can apply for up to $5,000 monthly. The exact amount available depends on your earned income and any other disability insurance you have in force, with total benefits not exceeding 66 2/3% of your monthly pre-tax income or $30,000, whichever is less.
No, AMA membership is not required to apply for AMA-sponsored Disability Income Insurance. However, AMA members benefit from having their annual policy fee waived, providing added value to their membership.
Under this policy, you’re considered totally disabled if you’re unable to perform the material and substantial duties of your medical specialty due to a covered illness, injury, or organ donation, and are not gainfully employed in an alternate, comparable occupation. If you opt for the “True Own-Specialty” definition, you can receive full benefits even if you choose to work in another occupation.
Yes, AMA-sponsored Disability Income Insurance is fully portable. This means your coverage remains in effect without interruption, regardless of job changes or relocations, providing continuous protection throughout your career.