Disability Insurance Before You Move

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Disability Insurance: Buy Before You Move? When you purchase an individual disability insurance policy, the parameters are based on where you are at the time of application. This includes state of residence (where you live), income, occupation and group benefits in force. If you are preparing to move, it is important to evaluate your situation to determine if it is …

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Life, Disability Insurance and Divorce

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When life changes, it is important to review your insurance information. This also includes at the time of divorce. Not only is it important to insure yourself to cover your obligations, it can actually be required. Take for example a client of mine, Dr. Martinez. I first met Dr. Martinez when he was finishing his medical residency and fellowship in …

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Disability Insurance When You Change Medical Specialties or Careers

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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? Your individual disability policy is based on where you were at the time of application. This includes your age, occupation, health status, state of residence, income and if you …

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