Disability insurance for physician groups and MSOs, without creating another HR project.
Hollowtree helps healthcare organizations offer physician-focused disability coverage to W-2 and 1099 clinicians, with enrollment strategy, communication, payment infrastructure, and clinician support handled end to end.
- Built for W-2 and 1099 clinicians
- Own-occupation coverage options
- Enrollment support handled by Hollowtree
- No payroll infrastructure required for 1099 populations
Your clinicians may be underinsured, and it may be hurting recruitment.
Many MSOs and physician groups rely on traditional group LTD or leave clinicians to find individual coverage on their own. That often fails high-income clinical professionals, especially 1099 clinicians, locum tenens physicians, anesthesiologists, CRNAs, and other specialists whose income and work structure do not fit standard benefit models.
Standard group LTD may not protect physician income properly.
Generic occupation definitions and capped benefits often leave specialists, surgeons, and procedural clinicians significantly underinsured relative to actual compensation.
1099 clinicians are often excluded from employer-sponsored benefits.
Independent contractor populations rarely fit traditional payroll-deduction benefits, leaving a meaningful share of your clinical workforce without an employer-supported coverage path.
Individual DI is hard for clinicians to navigate alone.
Underwriting can take months, pricing varies widely, and most clinicians do not have the time or expertise to evaluate own-occupation language carrier by carrier.
A group DI program built for distributed clinical workforces.
Coverage strategy
Hollowtree helps structure physician-focused disability coverage, including own-occupation options where available, sized to specialty income realities.
Enrollment infrastructure
We provide a mobile-optimized enrollment experience and payment workflows that support populations without traditional payroll deduction.
Clinician communication
Targeted outreach across email, SMS, direct mail, voicemail, and live support — designed to reach distributed clinical workforces.
Ongoing support
We handle clinician questions, consultations, enrollment follow-up, and support workflows so HR does not become the help desk.
Proof from a national MSO rollout.
A national anesthesiology MSO with 1,500 clinicians, including 600 eligible full-time 1099 contractors, had no disability coverage and no infrastructure to offer it. Hollowtree ran the enrollment campaign, communication, education, payment setup, and clinician support without requiring the MSO's HR or operations team to manage the process.
Clinicians completed enrollment in under 5 minutes through a mobile microsite, and Hollowtree handled 100% of inbound support.
Read the MSO DI Case StudyDesigned for the realities of physician employment.
Each of these audiences faces a different business problem. Hollowtree shapes the program around the workforce, not the other way around.
MSOs with 1099 clinicians
Offer a coverage path for the contractor population that legacy benefits programs were never built to support.
Physician groups with high-income specialists
Close the income-protection gap that standard group LTD caps create for surgeons, anesthesiologists, and procedural specialists.
Locum tenens companies
Differentiate on benefits in a market where physicians weigh assignments by total support, not just rate.
Healthcare staffing organizations
Reduce churn by offering coverage that travels with the clinician across assignments and geographies.
Groups transitioning W-2 to 1099
Maintain a coherent benefits story when a portion of the workforce shifts to contractor status.
Organizations competing for scarce specialists
Use a credible, well-communicated DI program as a recruiting and retention signal — not a checkbox.
Individual coverage alone leaves too much to chance.
Individual DI alone
- Clinicians must research coverage themselves
- Medical underwriting can take months
- Coverage decisions happen one person at a time
- No organization-level visibility
- Low participation without structured outreach
Hollowtree group DI enrollment
- Centralized program strategy
- Guided education for clinicians
- Enrollment campaign managed by Hollowtree
- Payment workflows supported
- HR and operations lift minimized
This is not another benefits project for HR.
Hollowtree owns the parts that typically break: communication, education, enrollment follow-up, payment workflows, and support. Your team does not need to become experts in physician disability insurance or manage one-off clinician questions.
- We help define the eligible population.
- We support plan design and carrier coordination.
- We build the enrollment experience.
- We run the communication campaign.
- We answer clinician questions.
- We support ongoing enrollment for new joiners.
Want to see the rollout mechanics?
If you want the operational details, see how Hollowtree runs clinician disability enrollment from campaign setup through employee support.
Frequently asked questions
Bring physician-focused DI to your workforce without adding another HR project.
Hollowtree will show you how a disability insurance program could be structured, communicated, enrolled, and supported for your clinical population.