Disability Insurance for Psychologists

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As a psychologist, what is the best way to insure your income with an individual disability insurance policy? Choosing an individual disability policy will depend on several factors: 1) Are you self-employed? 2) Do you work for a private practice, hospital or an academic setting? 3) Are you eligible for any group disability benefits? 4) Do you have any health …

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Disability Insurance for Women | How to Avoid Spending Twice As Much As Men

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If you are a woman shopping for an individual disability insurance policy, you may be in for sticker shock. Rates for disability insurance for women are close to twice as much as the rates for men. Why? Rates are set by the company based on risk and claims history. ¬†Companies state that women become disabled more often than men and …

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Disability Insurance Discounts for Married Couples

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We often work with married couples who are both looking to purchase an individual disability policy. Most ask if there is a discount if both of them purchase a policy. The answer is no. For disability insurance, the company truly looks at each person as an individual. There are no discounts available for married couples. Factors that affect premium rates …

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