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Blog

19
Aug

Physician Disability Insurance Contracts

Similar to how you spend the majority of your time studying medicine, we spend the majority of our time studying physician disability insurance contracts. This is because we are the ones you call when you become disabled. Ee do not want to tell you that you…

Read the Full August 19, 2015 Article
17
Jul

Disability Diagnostic Series: COLA Rider

The Disability Diagnostic Series: COLA Rider By D.K. Unger The Cost of Living Adjustment (COLA) rider is an optional rider that is commonly added to individual disability insurance policies. The purpose of the rider is to keep disability benefits in pace with inflation. I will examine…

Read the Full July 17, 2015 Article
9
Jun

Two Reasons Social Security Disability Benefits are Inadequate for Physicians and Other Professionals

  There are some professionals and other middle to high income individuals who believe social security will provide them with adequate benefits in the event of a disability. Here are two reasons that is an incorrect and dangerous belief.   1. To be eligible for social security benefits,…

Read the Full June 9, 2015 Article
27
May

AMA Disability Insurance Review

  We recently had a client who was considering obtaining disability insurance sponsored by the AMA. Below is our AMA disability insurance review summarizing the key differences between the AMA sponsored policy and individual policies. The client found it very helpful so we have reproduced it here…

Read the Full May 27, 2015 Article
15
May

Disability Diagnostic Series: Transitional Occupation Rider

Disability Diagnostic Series: Transitional Occupation Rider By D.K. Unger Disclaimer: This is not an endorsement or denouncement of any company that offers disability insurance. In California, the transitional occupation rider modifies the definition of disability to allow the insured to continue to receive benefits up…

Read the Full May 15, 2015 Article
7
Apr

Military Physician Disability Insurance

Military physicians often don’t receive the same praise and attention that their civilian counterparts do. Unfortunately, this means that they don’t receive the level of service that they deserve. In the context of disability protection, this has deleterious effects on their financial security and well-being. Military…

Read the Full April 7, 2015 Article
9
Mar

Group vs. Individual Life insurance

  Use this quick reference guide to gain a better understanding of group vs. individual life insurance. Look at your paystub or speak with your employer to find out how much you are paying for your group life insurance and then contact us so that…

Read the Full March 9, 2015 Article
23
Feb

Medical Resident Disability Insurance – Learn How to Maximize Protection

A common question we receive regarding medical resident disability insurance relates to increasing the disability benefit at some point in the future. Medical resident disability insurance is capped at $5,000/month. This amount is inadequate for residents/fellows who are about to at least triple their salary as…

Read the Full February 23, 2015 Article
30
Jan

The Disability Diagnostic Series: Definition of Disability

 Disability Diagnostic Series: Definition of Disability By D.K. Unger   To begin this new series, I will be looking at the heart of disability insurance contracts, the definition of disability. The definition of disability determines whether your benefit will be received or not. There is…

Read the Full January 30, 2015 Article
9
Dec

Obtain Disability Insurance Coverage from an Independent Specialist

  When looking to obtain disability insurance, it is imperative that a physician seeks an independent agent that represents multiple carriers and specializes in disability insurance. Disability insurance is unlike life insurance in that the policies are more complex and vary with each carrier. Achieving the…

Read the Full December 9, 2014 Article
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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.

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Latest Blog Post

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

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