Posts Tagged ‘dental students’

Disability Insurance Discounts at NYU Medical Center

Set for Life Insurance offers disability insurance discounts at New York University (NYU) Medical Center.

These special discounts are available for physicians, medical residents, dentists, medical fellows, dental students, dental residents, CRNAs, physician assistants, nurses and employees who are affiliated with New York University (NYU) Medical Center. These affiliates include:

  • ·         Bellevue Hospital Center
  • ·         NYU Langone Medical Center
  • ·         Tisch Hospital
  • ·         NYU Hospital for Joint Diseases
  • ·         Lenox Hill Hospital
  • ·         Woodhull Hospital Medical Center

The discounts provide unisex rates as well as an employer sponsored discount. For women, the discounts are approximately 55% off the identical, non-discounted policy. For men, the discount translates to 20% off the non-discounted policy. The discounts are parmanent and apply to all future purchases.

Policy provisions include:

  • ·         Own occupation definition of disability covering you if you can’t work in your medical specialty.
  • ·         Permanent discounts that apply to future increases.
  • ·         Premiums are guaranteed to age 65.
  • ·         A+ Rated company.
  • ·         No exclusions or limitations.
  • ·         Ability to increase the policy to $15,000/month benefit without further medical underwriting.

To qualify for the discounts, applications need to be submitted through Set for Life while currently employed at NYU Medical Center or an affiliated hospital.

For more information about disability insurance discounts at New York University (NYU) Medical Center or to request a personalized quote comparison, please contact the Set for Life office today!

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Are You At Risk For a Disability?

202,886 and counting…

That’s the number of working-age Americans who have experienced a disabling illness or injury so far during May. And how do we know that? Check out America’s Disability Counter, the newest educational tool from the Council for Disability Awareness (CDA) that dramatically illustrates the growing number of working-age Americans who experience a disability.

CDA’s recent consumer research study entitled “The Disability Divide” reported that while wage earners believe that a “disability can strike anyone at any time,” most deny the very real possibility that “a disability can happen to anyone”, could actually mean “it might happen to me.” In fact, most underestimate their disability risk by a factor of ten-fold or more. And few have a valid plan to provide an income should a disability strike. (more…)

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Set for Life Insurance Offers Disability Insurance Discounts at University of Utah

Set for Life Insurance offers discounts to physicians, medical residents, fellows, medical students, dentists, dental residents, professors and employees at University of Utah.

These affilliations are eligible for discounts:

  • University of Utah Health Care
  • University of Utah Health Sciences
  • University of Utah School of Medicine
  • University of Utah Dental Education Program
  • University of Utah College of Health
  • University of Utah College of Nursing
  • University of Utah School of Pharmacy
  • University of Utah Medical Group
  • University of Utah Hospitals and Clinics

These discounts range from 15-55% depending on age, gender and occupation. Women see the largest discount as the rates are unisex. Since women typically pay 40% more premium for their disability insurance than their male counterparts, the unisex rates make the greatest difference.

The discounted policies provide a true own occupation, specialty specific definition of disability.

For a list of discounts available through Set for Life, click here.

For more information about disability insurance and disability insurance discounts, contact the Set for Life Insurance office today.

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Disability Insurance for Graduating Dental Students

As a graduating dental student,  it is important to protect your future earnings.  Most dentists graduate with a significant amount of school loans. These school loans still must be paid, even if you are unable to work.

When shopping for disability insurance, look for a policy that will cover you in your dental specialty. This is referred to as own occupation or specialty specific definition of disability. Different companies have different titles for these definitions so it is important to read proposal carefully. If you are moving onto a specialty such as orthodontics, you may want to delay your purchase as some companies will consider orthodontics in a more favorable occupational class which could save you on your premiums.

Set for Life Insurance has discounts available for dental students, residents, physicians and medical fellows and residents throughout the country. This can help save you between 15% (for men) and 55% (for women). These rates are unisex (female rates are approximately 40% more than male) and have employer sponsored discounts. If you purchase the policy while still employed at the discounted hospital, the discount is permanent and applies to all future increases.

When requesting a quote, be sure to mention the name of your hospital.

Here are some of the hospitals around the country where we have available discounts:

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Disability Insurance Underwriting Made Simple

Disability insurance underwriting can be complicated. But it doesn’t have to be. If you are looking to purchase a policy with less than $5000/month benefit and don’t have any major health conditions, you may want to consider a simplified underwriting plan.

Sometimes less is more:

  • No income documentation.
  • No medical exams or testing.
  • No attending physician statements or medical records.
  • No personal history interview.

 What is included?

  • Up to $5000/month benefit (depending on company).
  • Own occupation definition of disability.
  • Increase options in some circumstances.
  • Available to ages 18-60.
  • Available to most occupational classes.
  • All waiting and benefit periods available.

Please contact the Set for Life Insurance office today for more information.

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