Disability Insurance for Women | How to Avoid Spending Twice As Much As Men

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If you are a woman shopping for an individual disability insurance policy, you may be in for sticker shock. Rates for disability insurance for women are close to twice as much as the rates for men. Why? Rates are set by the company based on risk and claims history.  Companies state that women become disabled more often than men and …

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Physician Disability Insurance: Why the Premium Disparity?

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Physician Disability Insurance—Why the Premium Disparity? Sometimes shopping for physician individual disability insurance can be confusing when comparing individual disability insurance policies from multiple companies. This is especially confusing when you receive disability quotes with radically different premiums. Why the premium difference? 1)      First check your quotes for the correct occupational class. If the quote is radically different in price, …

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Disability Insurance for Graduating Oral Surgeons and Orthodontists

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Disability Insurance for Oral Surgeons and Orthodontists—higher limits available Oral surgeons and graduating orthodontists in their last 6 months of training or first year of practice can now purchase up to $7500/month benefit regardless of income or group benefits in force. When should you buy before graduation? If you are working for a hospital with available discounts, purchase your policy …

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CRNA Disability Insurance: Short or Long Term?

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Today I spoke with a CRNA located in Texas in the market for an individual disability policy. She works in a private practice where she does not have a group disability insurance policy available. She is young, married, and has a lot of student loans. She was unsure if she needed a short term or long term disability insurance policy. …

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Disability Insurance for NP Nurse Practitioners

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Disability Insurance for Nurse Practitioners If you are a nurse practitioner, you are already well aware of the risks out there that can keep you from working. So how do you protect your income in the event you become sick or injured? Are your policies the same as physicians, doctors, nurses and CRNAs? As an NP, it is important for …

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