Own Occupation Disability Insurance for Physicians—Read the Fine Print

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I often have physicians around the country contacting me looking for the best available individual disability insurance policy to protect their income. The definition of disability is the most important part of the contract because this is the way the company determines if they are going to pay a claim. A true own occupation definition states that if due to …

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Physician Disability Insurance: The Truth

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Physicians looking for disability insurance in the marketplace will soon discover that it is a very competitive market. As a result, it is hard for some physicians to uncover the truth about the individual disability insurance policies being presented. It can also be hard to know who to trust. Here is a guide to help you discover the truth about …

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Weighing the Odds of Disability, for Insurance Purposes

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By PAUL SULLIVAN Published: October 19, 2012 OF all the types of insurance people are thinking about, disability insurance may be the last on the list. Christopher Berkey for The New York Times While Linda Hatchett of Nashville was recovering from a hip replacement, her job was eliminated. Her disability insurer offered her career counseling and she accepted a lump …

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What Happens To My Disability Policy If I Change Occupations or Medical Specialties?

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According to the US Department of Labor, the average person changes careers 5 times during their lifetime. So what happens to your disability policy when you change occupations or medical specialties?   When you purchase an individual disability insurance policy, the premium is priced based on your risk classification, including your occupation. Some occupations are deemed riskier than others. For instance, …

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