“What you are aware of you are in control of; what you are not aware of is in control of you.”
As a physician disability insurance broker, we put our clients in control of their future should something happen to them. After hearing stories of group or association plans not paying benefits during claim time as the physician initially expected, we created DI4MDs to take a proactive approach with the physician disability insurance marketplace. They did not realize they were not covered until after they became disabled. The policies we recommend are generally non-cancelable and guaranteed renewable with an own occupation, specialty specific definition of disability. This means that the insurance company can never cancel coverage, raise rates, or reduce benefits for the life of the policy. It also means that in the event you become sick or injured and unable to complete the material and substantial duties of your medical specialty, you will be paid your full benefit until your benefit period regardless of any disability earnings. Unlike agents who represent only one company, it is our mission as a physician disability insurance broker to educate you on what is available in the marketplace and make recommendations that put you, not the insurance companies, in control.