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Blog

22
Jan

Ameritas Issuing Higher Monthly Benefit Limits

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…

Read the Full January 22, 2019 Article
1
Dec

35 and 40 Year Level Premium Term Life Insurance Now Available

Legal & General (aka Banner Life) just become the first insurance company to release a 35 and 40 year guaranteed level premium term life insurance product. This is a valuable option due to the following facts: 1. Americans are living and working longer •Americans are…

Read the Full December 1, 2018 Article
13
Mar

Why not Kaiser disability insurance?

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…

Read the Full March 13, 2018 Article
26
Oct

Have you ever been declined for disability coverage? Do you have 80% your medical specialty income protected? We will help!

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…

Read the Full October 26, 2017 Article
3
Jun

Stories from the field – individual vs physician group disability insurance

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…

Read the Full June 3, 2017 Article
13
Mar

Physician Disability Insurance – Student Loan Benefit Rider

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…

Read the Full March 13, 2017 Article
7
Jan

Non-Cancelable Disability Insurance: What is it? Is it worth it?

A disability insurance policy is considered non-cancelable if the insurance company cannot raise rates as long as the premium is paid. A non-cancelable policy typically has a 20% additional premium charge versus guaranteed renewable only policies. Guaranteed renewable only policies do not have guaranteed level…

Read the Full January 7, 2017 Article
18
Oct

Can I deduct my physician disability insurance premiums? Are my benefits taxable?

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…

Read the Full October 18, 2016 Article
26
Aug

High Limit DI – Orthopedic Surgeon Case Study

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…

Read the Full August 26, 2016 Article
8
Jul

Physician Disability Insurance Worth it?

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…

Read the Full July 8, 2016 Article
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We Are Here To Help You

We are unbiased independent insurance agents advocating in the best interests of our clients. While most agents are generally selling insurance for one insurance company, we feel it is our duty to our client to do a full review of their needs before going out into the marketplace to find which product fits their personal needs. Given that disability insurance is the hardest type of insurance to obtain, we negotiate with the insurance companies on your behalf to help you receive the best coverage possible in a timely manner. If you would like to receive a quote you can request one on our site, or if you would like to set up an appointment feel free to contact us to set up a conference call or to meet personally.

Odds are likely that you are healthier today than you will be in 10 years.

Lock in your health status for lower premiums by contacting us today!
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DI4MDS - Physician Disability Insurance Specialists
10505 Sorrento Valley Road #250
San Diego, CA 92121

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Latest Blog Post

  • Military Dentist Disability Insurance
    We recently authored a guest post on disability insurance options ...

    February 18, 2022

    Read More

  • Veteran’s Day Message
    As posted on the blog of our friend Dr. Joel ...

    November 11, 2021

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