Physician Disability Insurance| Definition of Disability

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The most important part of an individual disability insurance policy for a physician is the definition of disability. This is what determines whether or not the company will pay benefits in the event of a disability. It is more important to read the definition than to worry about the name. Different companies have different names. Guardian/Berkshire, Union Central/Ameritas and Standard …

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Disability Insurance | Colorado Flooding

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Here in Colorado this week, we are experiencing unprecedented flooding that has crippled parts of the city, shut down schools and businesses and caused a great deal of damage. So what does this have to do with disability insurance? Insurance is insurance. Whether it is life insurance, disability insurance or property insurance, the purpose is to pay benefits in the …

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Insurance and September 11th

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I’m sure I’m no different than anyone else when I wake up on September 11th and remember that tragic day. On September 11, 2001 I was in Salt Lake City, UT for a national insurance conference. I woke up early by myself in the hotel room to get ready for my breakfast meeting and turned on the TV right as …

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Physician Disability Insurance and Divorce

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Today I spoke to a client of mine and I wanted to share his story as it could resonate with others. My client, “Dr. Spine” is an orthopedic surgeon who recently went through a nasty divorce. He has 2 children ages 6 and 10. He is responsible to pay his ex-wife $4000/month in alimony and an additional $4000/month for child …

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Veterinarian Disability Insurance—Small or Large Animals?

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When it comes to disability insurance planning for veterinarians, size does matter! Veterinarians working with large animals or zoo animals are classified two occupational classes below their small animal counterparts. This results in a larger premium. One way to reduce your premiums as a veterinarian is to purchase your policy while still in veterinary school. Veterinary students in their last …

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