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…
The UCI guaranteed issue discounted disability plan terminates 11/1. This will be the last time you will be able to obtain individual disability coverage on a pre-approved and discounted basis. This is also the last chance for females to get a gender neutral rate. After…
A recent survey shows a 20 percentage point dissatisfaction gap between doctors practicing at small and large medical groups in San Diego County. In its biannual workforce and compensation study, the San Diego County Medical Society asked physicians whether they were more, less or unchanged…
With the NFL draft happening today, I figured it would be a good time to discuss high limit disability insurance for athletes. Disability insurance for athletes is something that every professional player should have due to extremely high risk the world’s best athletes take when…
Final Expenses The National Funeral Directors Association estimates the cost of an average funeral in 2013 was approximately $7,400. And that’s for ‘basic’ services and materials such as a metal casket. Finding $7,400+ for an unexpected funeral is likely to be difficult for many…
The just-released 2014 Insurance Barometer Study shows that Millennials, those age 25-34, show the highest level of concern across all generations for common financial planning issues, including saving for retirement, paying for a child’s education and burdening others with final expenses. Retirement certainly isn’t being viewed with…
Below is a story that reminds us that disabilities can happen to all of us. No matter how healthy we are one injury or sickness can lead to a disability that will jeopardize ones most valuable asset: our ability to produce income. When we look…
At DI4MDs we are constantly examining what changes to the insurance market there will be in upcoming years. This year California residents will endure major changes to the disability plans offered. For females the changes will be substantial due to the fact gender neutral rates…
Q: Why should I purchase disability insurance while I’m still in residency or fellowship? A: A good reason to purchase disability coverage while in residency or fellowship is because rates are based on age and current health. Those premiums are locked in for the duration of the…
On the homepage of DI4MDs.com we have added a disability insurance counter that tallies the amount of disabilities that occur for the current day/month/year. The numbers are provided by the council for disability awareness and are somewhat staggering. Through our longevity in the business we…
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