When should you wait to buy disability insurance

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Ask most disability insurance brokers when you should buy an individual disability insurance policy and they will tell you “right now! Sooner is better than later!” But that is not always the case. Like most situations, it depends on your individual needs. Here is a list when it makes sense to WAIT to purchase your individual disability policy. 1) You …

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How Obamacare may impact disability insurance

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Starting October 1, 2013, Obamacare will go into effect and will have sweeping changes for the health insurance industry. While no one has a crystal ball, here are some projections about how Obamacare changes may effect disability insurance: 1) Many small businesses may change their workforce to reduce the number of full time employees and have more part time employees. …

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Disability Insurance for Newlyweds

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Congratulations! You just tied the knot and the whirlwind of the wedding is behind you. Now it’s time to start planning your life together. Along with these changes comes the realization that you are now merging your finances. This requires you to discuss important matters such as disability insurance. Here are some questions to help you in your discussion with …

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Physician Disability Insurance | Reapplying for Insurance

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When you apply for an individual disability policy, you need to undergo medical and financial underwriting. (For medical students and medical residents, the financial requirement is waived.) Medical underwriting consists of a phone interview (unless you fill out a complete application asking you your medical history—depends on the company) and a paramedical exam. Paramedical exams are mini exams where an …

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CRNA disability insurance | Guideline

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If you are a CRNA nurse anesthetist thinking about protecting your income with an individual disability insurance policy, here is a guideline to help you determine the best time to apply for a policy. Just like any insurance, the best time to apply for an insurance policy is BEFORE you need it. The earlier the better. Rates are based on …

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