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Why Do People Need Personal Disability Insurance?

Insurance can be seen as a tool that helps protect people against potential financial losses, damages, and costs associated with events that were not expected. Insurance is defined as a mechanism of spreading the risk of loss through a pooling mechanism by providing protection against a predictable event that came […] Read More...

Which Is Better: Group Disability Insurance Or Disability Insurance For Individuals?

If you depend on your income to pay the bills, you should seriously consider purchasing personal disability insurance. The insurance companies offer these options so you can still pay your bills by replacing the portion of your income. However, let’s talk about group disability insurance a little. In general group […] Read More...

Why is Physician Disability Insurance So Important for Society?

Most people insure their material possessions, such as cars and their homes. However, many of these people don’t insure the most valuable asset: the ability to work and earn income. Consider this; if you become sick or get injured and can’t work, you won’t be able to pay your bills […] Read More...

The Cost of Disability Insurance For Individuals In 2020

The Risk of A Disability Data from the Council for Disability Awareness shows that one in four 20-year olds will eventually become disabled before they enter the retirement phase of their lives. The type of disability could be related to an injury or a less-serious and temporary illness. Still, they […] Read More...

How To Get Affordable Short-Term Disability Insurance Without Your Employer

Short-term disability is a private insurance program where employees have to be covered by the policy to use the benefits. Employers can offer affordable short-term disability insurance to employees as a work benefit, but employees can purchase individual disability insurance elsewhere if needed. Requirements For Short-Term Disability Insurance Most employees […] Read More...

Frequently Asked Questions about Disability Insurance for Radiologists

Radiologists often wonder if they could continue to pay their monthly expenses if their income ended due to an accident or injury. We’ve compiled this short FAQ guide to disability insurance for radiologists to help answer your questions. What are typical maximum monthly benefits? Insurance companies will allow you to […] Read More...

Can Cigarette Smokers get Reasonable Rates for Disability Insurance?

As we discussed in a previous article about disability insurance rates for cigarette smokers, premiums for disability insurance is based on your risk of future illness. Since smoking is the cause of many illnesses which would lead to a disability insurance claim, smoking will typically increase your disability insurance rates. […] Read More...

High Income Disability Insurance

The Need For High Income Disability Insurance Have you ever stopped to think about how much your lifestyle would change if you were unable to work? Facing the fact that a disability could happen to anyone at any time is difficult but necessary. The financial loss caused by a disability […] Read More...

Questions to Ask Before Buying Disability Insurance

  When do benefits begin? Most plans have a specified waiting period after an illness or injury before payments begin. We can discuss various plans and rates and help you find one that meets your needs. How long do benefits last? Several short and long term benefit periods are available […] Read More...

Buying A Disability Insurance Policy After Bankruptcy

Have you recently been through bankruptcy? If so you may have found that it’s harder to buy a disability insurance policy. If so perhaps we can help. We work with multiple disability insurance providers, and some of them will insure people who have been through a recent bankruptcy. Give us […] Read More...

High Risk Occupation Disability Insurance Policies

Have you been denied a disability insurance policy because you’re in a high risk occupation? If so, contact us and we might be able to get you the disability insurance policy and coverage you need for your high risk job. Disability insurance companies often choose not to insure workers with […] Read More...

Disability Insurance for Cigarette Smokers

Do disability insurance companies charge higher premiums to cigarette smokers versus the rates they offer to non-smokers? Yes, although you might be surprised to find out that smokers disability insurance policy rates are not all that higher than rates for non-smokers. One of the factors disability insurance providers consider in […] Read More...

Protect Your Paycheck With Disability Insurance

Many people feel that since they have their homes and cars insured that they are covered for any mishap that may effect their lives. However, what they often don’t consider is properly insuring what pays for those things—their paycheck. Your paycheck is your most valuable asset, and just as you […] Read More...

Disability Insurance Month

Since May is Disability Insurance Awareness Month, it is a good time for employees and employers to evaluate their disability insurance needs. A long-term disability insurance policy is an important option for employees, and can be a great tool for employers to find and retain the best team members in […] Read More...

Can Your Law Firm Survive If You Become Disabled?

Is your law firm prepared to survive a personal crisis, which leaves you or one of the partners disabled? If you’re not sure, then it’s time to take steps towards making a plan, and buying the appropriate coverage. Along with seeking advice from a professional, here’s a quick list of […] Read More...

1099 Disability Insurance for Independent Professionals and Contractors

If you’re a self-employed contractor that receives a 1099 form from some of your clients, disability insurance should be an important component of your financial plan.  It’s no longer true that only people working at large companies can get adequate coverage. Disability insurance may be tough for independent contractors to […] Read More...

Neurologist Disability Insurance – A Small Price to Pay

The “average Joe” insures his home and car, but does not think beyond in scope to insure any more than that. Unlike you, however, Joe has not attained his medical degree or built a career path as disciplined as you. Don’t be average. Be safe. Did you know that sudden […] Read More...

The most common disability insurance misconception

Common misconceptions about disability insurance can cost you a great deal of money. It’s not surprising with the confusing language used in insurance policies. The following article about the most common disability insurance misconception should help shed light on what might prevent a major loss to your financial portfolio. My […] Read More...

Why disability insurance is a necessity for physicians and professionals

Insurance clients often ask whether they have too little, too much, or the right kind of life insurance, but they often don’t consider how they would get by financially with no income due to a long-term or short-term disability. In fact, disability insurance is as important as life insurance, and […] Read More...

Important Information About Buying Disability Insurance

You may not realize it, but three in ten workers entering the work force today will become disabled before retiring. Social Security Administration, Fact Sheet January 31, 2007. It is traumatic enough to suffer from an injury or illness, but when you add in the fact that even a short […] Read More...

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