Disability Insurance for Physicians: How Much?

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When it comes to disability insurance, there are income and participation limits to determine how much benefit you can purchase. This means at your income level, you are eligible to purchase a certain amount of insurance based on your income and if you have a group disability insurance policy in force. As a medical resident, you may purchase between $1000 …

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Supplementing Your Group Disability Insurance Policy

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Supplementing Your Group Disability Insurance When was the last time you sat down to carefully review your employee benefit handbook? A lot of people have the misconception that the benefits they receive from their employer are adequately going to cover their disability insurance needs. If you are a full time employee and work for an employer who offers group benefits, …

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Supplemental Disability Insurance

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When was the last time you sat down to review your employee benefit handbook? A lot of people have the misconception that the benefits they receive from their employer are enough.   If you are a full time employee and work for an employer who offers group benefits, chances are you have group disability insurance benefits. Group benefits typically cover …

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Is Disability Insurance a Buy?

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Wall Street Journal November 5, 2011 Disability insurance has long been the stepchild of employee benefits, ignored by workers until it’s needed. But with employee costs rising and company open-enrollment season beginning, it’s worth a closer look. This year, more employees will have to decide if they want to buy long-term disability coverage—which typically pays a portion of your income …

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Avoiding Taxes on Life and Disability Insurance–WSJ

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By CRISTINA LOUROSA-RICARDO, Wall Street Journal Having enough life and disability insurance should be a key element of your personal financial game plan. Hopefully, with some advance planning, you can collect life and disability insurance proceeds free of taxes. Here’s how. Life Insurance: The main reason most people have life insurance is to replace income that would be lost if …

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