Disability Insurance COLA Cost of Living Rider

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Most individual disability insurance policies already have built in riders and definitions such as own occupation. However, one rider that typically needs to be added is the COLA Cost of Living Rider. Is it worth having on your policy? The COLA rider is the most often misunderstood rider. Here we will break it down and provide some guidelines to help …

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Should I Use the Same Company for Life and Disability Insurance?

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When you purchase either an individual disability insurance or life insurance policy, you may reuse your paramedical results up to six months after the exam if you purchase the other type of insurance. Clients often ask me if they should use the same company if they buy the other coverage or if there is a discount. The answer is oftentimes …

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Disability Insurance Medical Resident Match Week

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It’s Match Week for medical students and residents. Finally! You know where you will be doing your residency or fellowship training. When it comes to purchasing your individual disability insurance policy, match week can bring some answers. Medical students in their last 6 months of medical school can apply for an individual disability policy up to $2500/month benefit. Medical residents …

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When is the best time to purchase disability insurance?

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Certain products have cycles which translate to ideal time for consumers to purchase their product. For example, the best time to purchase a new car is typically in September when the new models arrive. Purchasing the current year model can result in big savings. But what about when it comes time to purchase an individual disability insurance policy. When is …

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