As a thoracic surgeon, disability insurance might not be something you think about very often. However, it should be. It’s the only way to protect your family’s financial stability and ensure that you can meet your obligations should you find yourself unable to work.
The Case for Thoracic Surgeon Disability Insurance
As a thoracic surgeon, you probably earn somewhere between $68,000 and $360,000 per year. That income forms a significant portion of your family’s ability to meet its financial obligation. It helps pay for your school loans. It helps pay for your mortgage. It helps pay for your children’s education and your car payments. What would you do if that income were suddenly gone? Where would you be if you no longer earned that much money, or any money, for that matter?
Thoracic surgeon disability insurance provides you with a safety net in situations just like these. It ensures that no matter how bleak things might look, you have the ability to meet your financial obligations.
What Is Thoracic Surgeon Disability Insurance?
It’s important to understand the important role that disability insurance plays – it’s designed to provide you with financial coverage should you find yourself out of work due to an injury or illness, and unable to pay your bills.
Chances are that you do not have disability insurance through your employer which means you’re missing a vital form of protection. Your car insurance, your health insurance, or any other type of insurance you currently have won’t provide you with the same financial support as your disability insurance. All of this can be soled through thoracic surgeon disability insurance.
Choosing Your Thoracic Surgeon Disability Insurance
Finding the right insurance provider can be difficult. This is particularly true if you have never bought disability insurance before. You need to make an informed decision regarding the policy and coverage terms available to you, but how do you do that? We can help. We work with insurance companies that you know and trust and provide you with expert guidance throughout every step of the process.
Disabilities and You
Most of us don’t think we’ll be struck by a disability. Sadly, that’s often not the case. In fact, if you’re age 40 or older, there’s a one in five chance that by the time you’re 65, you’ll have experienced at least one disability lasting a minimum of three weeks. Those aren’t odds to gamble with, nor is your family’s financial future something to leave to chance.
Disabilities take many forms. Some of the most common include cancer, heart disease, and back injuries, but there are many others. These occur outside the workplace, meaning that worker’s compensation does not cover your lost wages. Health insurance also does not cover time out of work. Thoracic surgeon disability insurance is the only way to protect your ability to enjoy the quality of life to which you’re accustomed.
How Your Work Impacts Your Disability Insurance Rates
Insurance companies group occupations into specific classes based on documented risk for a particular job. They typically classify professional occupations on a scale of 1 to 6 based on the risk they carry and many use the letter M to designate medical professions. Typically, the higher the numerical value of the classification, the lower the premium rate will be.
When you review individual disability insurance policies, it’s important to understand what medical specialty you are being classified as because the difference in rates can be substantial, so it’s important to be classified in the correct category.
Take Your Thoracic Surgeon Disability Insurance With You
One of the advantages of individual disability insurance is that it doesn’t depend on your employer. Even if you switch companies, you will still have your thoracic surgeon disability insurance, which is not the case with some other types of insurance policies. With them, once you stop being an employee in the company where you got your disability insurance, you lose your insurance.
That’s why you need to make sure you’ve chosen the right insurer that offers the best conditions fit for your unique needs. That requires an in-depth comparison of several disability insurance providers, something that most people find difficult to do. We can help. We allow you to compare disability insurance quotes from leading US insurers, insurance rates, coverage areas, and more.
Why Choose Us
The challenge with a thoracic surgeon disability insurance is finding the right insurer and the right policy for your needs. A disability can happen at any time, now or in 10 years, so it’s important when choosing your insurer to have one that has the financial stability and power to weather difficult economic effects.
There are many insurance companies out there, so it can be confusing to settle for the right provider, but we can help here. We specialize in helping medical professionals like you find the right disability insurance policy to fit your unique needs. When you work with us, you will be involved in every step of the process to make sure you understand everything and are completely happy with what is offered to you.
We can help you compare insurers, insurance rates, and more. Contact us today at 1-877-221-6198 to learn more, or use the contact form on this page.