For supplemental individual
disability insurance information,
contact Mensh Insurance

(336) 631-5503

medical people


Are you interested in fully protecting your income? Let us do a comprehensive disability insurance review to make sure you have the coverage you need. You may already own a disability insurance policy but we can bring you policies with discounted gender neutral rates.

The Process

By contacting Mensh Insurance via email, phone or via the website, you can begin to explore your supplemental individual Disability Insurance options. By completing the quote request form there is no cost or obligation to work with Mensh Insurance or to purchase any insurance policy. However, by providing Mensh Insurance with the requested details, we can prepare individual proposals to show you how much individual disability insurance you might qualify for in addition to the group protection you already have or as your sole means of protection.

How much can I buy and what will it cost?

Rate Table

When evaluating Individual disability insurance rates, you will find that premiums for males are generally 20-30% less expensive than female counterparts. Under this new program for Cornerstone Health employees, we are able to bring a single discounted rate for all employees. Not only does this help males, it saves the greater percentage for all females compared to what you will find from the same insurance companies outside of this program. The chart below provides examples of monthly costs at ages 35-50 for males and females and the advantageous Cornerstone Health employee rates. These rates reflect own occupation, residual, and cost of living increase riders. Individual plans can be tailored to fit your needs with or without some of these riders and with other riders such as a catastrophic benefit in the event of a long term care situation prior to age 67.

Many of you will participate in the group Long Term Disability Insurance program that replaces 50% of your income up to $15,000/month. However, under this special individual supplemental plan, you have options via several carriers to secure even more income protection. The following charts provide an example for a male or female, age 40 at various incomes and what you are eligible to purchase with or without participating in the group program. Remember, the industry norm is to insure 50-60% of one’s income...the individual plans allow for slightly higher protection with fixed portable premiums.

Why Mensh Insurance for these policies?

Based on 40 years of experience in the medical marketplace and specializing in supplemental individual disability insurance, Mensh Insurance can bring you the top insurance contracts from the best companies in the industry. Nationally recognized carriers such as Principal, MetLife, Guardian, and the Standard have enabled Mensh Insurance to assist medical societies, private practices, and hospitals over the past four decades. At this time, Mensh Insurance has negotiated significant discounts for Cornerstone Health Care employees that are not available elsewhere. Bringing these comprehensive and discounted plans together for your review and comparison simplifies your planning process and allows you to make an educated decision concerning your insurance portfolio.

Get Started With a Quote Below or Call (336) 631-5503 •


First Name Last Name Date of Birth mm/dd/yyyy
Contact Phone Number Email Address Medical Specialty
Address City State Zip
Main Office Current Income
Currently enrolled in group disability plan?
Do you currently have any individual disability coverage?
If yes, how much in force per month?
Interested in Retirement Plan protection disability insurance?
Interested in Medical School Loan Disability insurance?
Interested in Life Insurance?
If Term Life Insurance
If Whole Life Insurance
If Universal Life Insurance
Tobacco Use?
If yes, what kind and how often?
Current Medications: dosage, for what conditions, and for how long?
Any other significant medical history?
If yes, what was the situation, how long ago was it and how was it treated? Ongoing issues or resolved?
If there is something else specifically that you would like from us please tell us how we can help.

You are navigating away from the Mensh Insurance Site

Mensh Insurance is excited about our partnership with Extend Health, a leading Medicare Supplement provider throughout the country. As you know, Mensh insurance specializes in Disability, Long Term Care and Life Insurance. We bring the best products to our clients in those product areas and via this partnership with Extend Health, we can now do the same in the Medicare Supplement arena. By clicking on this link you are leaving and now moving to Thanks for visiting!

Retirement Plan Protection

Retirement Plan Protection is disability insurance that pays a monthly benefit to allow for ongoing funding of an existing retirement plan. This allows you to use all of your individual disability insurance income for personal expenses but maintain retirement plan growth. Typically, retirement contributions are only made while actively at work, therefore, this is the only way to keep your portfolio growing if disabled.

Term, Universal, & Whole Life Insurance

Term, Universal, Whole Life insurance are the various forms of life insurance we offer. Any can be used for income protection and debt while the latter are more often used for tax deferred cash accumulation as a supplement to existing retirement plans.