Like all group disability insurance, Kaiser group disability insurance is a good deal if you are unable to qualify for a private policy from a top insurer. It functions best as a supplement to private policies. Let’s examine the need to know facts about the…

As a recognized leader in establishing innovative physician disability insurance solutions, DI 4 MDS is constantly negotiating with insurance carriers to accept a larger amount of risk for our physician clients. There are two major problems when it comes to adequately protecting physician income from…

We recently met with a fellow Pathologist physician to review physician disability insurance and his personal options. During the meeting, his wife revealed that her uncle is a vascular surgeon and became disabled due to a stroke. They explained that it was a struggle for…

In the last couple of years, a few of the top physician disability insurance companies have created new physician disability insurance benefit riders that reimburse you for the cost of student loan debt in the event of a total disability. You should consider these riders…

We are often asked if physician disability insurance premiums are tax deductible and whether any benefits received are taxable. The answers depend on your practice scenario: 1. If you are a non-owner employee or sole proprietor, then the premiums are not tax deductible. In the…

This past month one of our clients reached out to us after becoming partner in a high-volume orthopedic practice. A year ago, his annual income as an associate was $350,000 and he had maxed out his individual disability insurance policy to $15,000/mo. He showed us…

We live in a high-stress world. Diseases and chronic conditions are prevalent and accident risk is a daily reality. You see this every day in your practice; we see it when we handle client claims. Additionally, people are working harder and longer; this is even…

Important note for all residents/fellows who have completed training: It is still possible to secure discounts associated with your training institution 60-90 days after the date you officially complete your training. We have talked to a number of residents/fellows who were under the impression they…