In this episode of Cutting Edge Benefits, Tom Quigley welcomes longtime friend and benefits expert Aaron McDonaldfrom Medfinity Financial for a deep dive into one of the most overlooked benefits in the small business world—disability insurance.
Aaron shares how reverse discrimination in traditional group benefits plans leaves high-income earners significantly underinsured—and what business owners can do to fix it. You’ll learn how guaranteed standard issue disability planscan provide custom protection for executives and key employees, regardless of health status. Plus, they explore how these solutions perfectly complement ClaimLinx’s cost-saving healthcare model.
⚙️ What “reverse discrimination” means in disability benefits for high earners
🧩 Why most small business benefit packages are incomplete without key person disability
💼 How ClaimLinx clients are layering disability coverage into their savings strategy
🚫 Why traditional group disability coverage usually falls short
✅ What is “guaranteed issue disability insurance”—and why it’s a game changer
👩💼 How 3 high-income employees are enough to start a disability coverage plan
💡 Using benefits to increase business valuation before an exit
📈 Why adding disability + retirement protection helps retain and reward top talent
🧠 Real-life examples of business owners upgrading limited coverage to full protection—even when previously deemed uninsurable
Disability insurance is the most important benefit a business owner can have—it protects your income when you can’t work.
Most small businesses undercover their highest-paid employees, exposing them to serious financial risk.
Medfinity Financial’s partnership with Guardian allows guaranteed issue disability plans starting with as few as 3 employees—no medical questions required.
ClaimLinx and Medfinity are working hand-in-hand to provide a holistic benefits approach: healthcare savings + disability + retirement protection.
Better benefits = better retention, better recruiting, and higher business valuation.
“If you can’t work, where’s your money coming from?” — Tom Quigley
“We help protect high-income earners from reverse discrimination in traditional group disability plans.” — Aaron McDonald
“You could be completely uninsurable... and still qualify for this guaranteed coverage.” — Aaron McDonald
“Disability insurance removes the need for GoFundMe pages.” — Tom Quigley
➡️ Aaron McDonald, Medfinity Financial
📞 Phone: (248) 633-1394
🌐 Website: medfinityfinancial.com
📧 Email: AMcDonald@medfinityfinancial.com
➡️ Tom Quigley, ClaimLinx
🌐 Website: www.claimlinx.com
📅 Schedule a Consultation: Schedule a call
#CuttingEdgeBenefits #ClaimLinx #DisabilityInsurance #SmallBusinessBenefits #ExecutiveBenefits #KeyEmployeeProtection #MedfinityFinancial #ExitPlanning #BusinessValuation #EmployeeRetention #GroupInsurance #ReverseDiscrimination #TomQuigley #AaronMcDonald #TheNeilHaleyShow
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