Disability Insurance Discounts | Sparks Health System

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Set for Life Insurance is proud to offer special discounts on individual disability insurance to all employees affiliated with Sparks Health System in Arkansas. This includes all physicians, nurses, CRNAs, executives and employees. The individual disability insurance policy provides a 20% discount to all employees. Additionally, the rates are unisex. This saves women even more since women typically pay at …

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Disability Insurance | Foreign Travel

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How does your individual disability insurance policy pay you benefits if you travel internationally? If you apply for benefits with the anticipation of travelling abroad (tickets in hand), the company may either exclude foreign travel or request that you apply after you return. This is true if you are travelling somewhere that is considered dangerous. If you are taking a …

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Disability Insurance Discounts | Oakland University

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Set for Life Insurance offers special discounts to all medical students, residents, physicians and employees affiliated with Oakland University William Beaumont School of Medicine. The individual disability insurance policy requires medical underwriting which includes a phone interview and paramedical exam (blood and urine test). Policies are all true own occupation covering you in your occupation or medical specialty. The discounts …

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Negotiating Exclusion Riders on Disability Insurance

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When you apply for an individual disability insurance policy, medical underwriting is required which entails a phone interview and a paramedical exam (blood and urine test). About 1/3 of disability insurance policies come back either rated or with an exclusion. What are your options if your application comes back with an exclusion or rider? Find out when or if your …

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Disability Insurance for High Income Physicians

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Physicians may purchase up to $25,000/month of individual disability insurance. This is available when combining insurance from more than one company. The maximum amount available from any one company is between $15,000 and $17,000/month (depending on the company). To obtain $25,000/month benefit, you need to be earning in the $700k to $800k range. If you are earning more than $800k …

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