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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…
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…
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,…
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…
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…
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…
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…
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…
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…
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…
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