Principal is currently the only carrier offering gender neutral / unisex discounted rates for physician disability insurance at many institutions/hospitals. For females, this represents a significant (40%) discount. As of January 1 2021, this discount will change to a gender-specific one. As of now there…

Earlier this summer, MassMutual started allowing the use of the federal employee discount for military physicians and dentists. The discount is 25% off the gender distinct rates. The discount is permanent and also applies to future increases with the future insurability option (FIO) rider or…

Learn about how COVID-19 is affecting the insurance marketplace, and what you should know about disability insurance to protect your livelihood. Our article can be found on page 40 in the e-magazine issue at the following link. https://www.finance-monthly.com/issues/2020/06/ You can also view our article in…

Most disability insurance companies have monthly benefit limits of $20,000. To establish more coverage than that, you would have to establish a second policy from another disability insurance company. Now, through the end of 2020, Principal, one of the leading providers of DI for physicians,…

Chances are you have received mailings from DisabilityPro. DisabilityPro is a marketing name for the AMA sponsored group disability insurance policy underwritten by New York Life Insurance Company. The initial rates are attractive, but do you know the terms of coverage? Contact us today to learn more…

Following their update last year for “6M” medical occupations, Ameritas has increased the monthly benefit limits for “4M and “5M” medical occupation classes. Contact us today to take advantage of these higher benefit limits. We have never had a disabled client say that they receive…

Like all group disability insurance, Kaiser 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 Kaiser…

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 Pathologist fellow to review physician disability insurance. 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 him to receive benefits since…