How Do I Get a Physician Disability Insurance Policy?
Physicians should always look to obtain disability insurance from an independent insurance broker/agent. An independent agent ought to be able to provide quotes and policies from any of the "Big 6" disability insurance companies (Principal, Guardian, Ameritas, Mass Mutual, Standard, and Ohio National).
Read More
Training Discounts and Physician Disability Insurance (or Why Sooner is Better than Later)
As a medical professional you definitely know that there is no way to truly prevent a disability—but there are ways to eliminate the devastating financial consequences that can occur as a result of a disabling injury.
If you're not protected, a disabling illness or injury can create financial issues, including increased debt. No one wants to consider the possibility of such an injury, but considering disability insurance while in training has tangible benefits.
Read More
Tags: Disability Insurance
What is True Own-occupation Disability Coverage for Physicians?
True own-occupation means that you would be deemed disabled if you are unable to perform the material and substantial duties of your occupation (medical specialty) AND your benefits do not change even if you make an income (gainfully) employed in another occupation or specialty.
Read More
Tags: Disability Insurance, FAQ
Physician Contracts: From Compensation to Termination
Employment contracts are definitely a big and complicated topic, especially because they’re written in legal language that few (except attorneys!) are fluent in.
In this post, we’re going to give you a primer about physician employment contracts from payment and compensation, to duties and responsibilities, to termination.
Read More
Physician Contracts: From Restrictive Covenants to Malpractice
Employment contracts are definitely a big and complicated topic, especially because they’re written in legal language that few (except attorneys!) are fluent in.
In this post, we’re going to give you a primer about physician employment contracts from restrictive covenants, to indemnification, to malpractice insurance.
Read More
Top 3 Reasons to Work with an Independent Insurance Agent
If you’re shopping for a disability insurance policy, you may not be sure if it would be better to go directly through the insurance companies or to work with an independent agency.
In this article we’ll go through the pros and cons of working with an independent agency and how you can get the best disability insurance policy for you.
Read More
Tags: Disability Insurance
Can Physicians Achieve Work-Life Balance?
Many physicians go through years of school and training due to a true vocation for the work of healing.
Physicians are especially susceptible to professional burnout—a feeling characterized by emotional exhaustion, a loss of enthusiasm for work, feelings of cynicism, and a low sense of personal accomplishment. Due to passion for their work, physicians may experience conflicts between caring for patients and caring for themselves.
Read More
Tags: Work-Life Balance