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Group DI for Your 1099 Physician Clients
Watch Time: 3 Mins Reading Time: 4 Mins Presented by Hollowtree Updated April 27, 2026
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Most benefit brokers don't have a group disability insurance solution for 1099 physicians. That's not a criticism -- it's a structural gap. Standard group DI products require an employer-employee relationship. 1099 physicians don't have one. So the product doesn't exist for them in a traditional broker's book.
Hollowtree's CCA model changes that.
A Cooperative Coverage Arrangement is a legal structure that gives 1099 independent contractors access to group insurance rates without reclassifying their employment status. For your clients who employ 1099 physicians -- MSOs, locum tenens firms, physician staffing companies -- this means they can now offer group DI access as a benefit. That's a conversation most of their competitors aren't having yet.
Here's why this matters for your practice.
Physician groups are high-income targets for disability coverage. Individual DI for a physician can cost two to five percent of annual income -- $5,000 to $12,000 a year or more, out of pocket, with full underwriting. Group rates through a CCA cut that cost substantially and remove most underwriting barriers. Physicians who couldn't qualify individually can now get coverage.
The employer client wins by offering a benefit that improves physician satisfaction and retention. The physician wins by accessing coverage they couldn't get on their own. And you win by offering a product your competitors don't have.
Hollowtree provides full co-branded materials, joint employer briefings, and ongoing account support. You bring the relationship. We bring the product.
Get the broker pitch kit and let's identify which clients in your book are ready for this conversation.
About the Presenter
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Hollowtree
Insurance Specialists