Percent More or Less than Average Premium
Policy Options from All of the Big Six Companies:
Unisex Policies Offered
*The information on this page are accurate as of the date this page was created, September 2021. Policies and discounts vary by individual circumstances. For information on your specific options, please console with one of our advisors.
Healthcare in New Jersey is an intricate system of laws, rules and regulations that manage the state's healthcare providers. This includes services provided by medical professionals to diagnose mental or physical illness with prevention as well; it also encompasses many related sectors like insurance companies who provide coverage for health emergencies that can arise at any time - something we should all take advantage off!
As of 2021, the resident population in New Jersey was almost 3 million and the number of active specialty physicians in the state is 2,998.
Emergency medicine: 1.648
All other specialities: 6.695
Total specialty: 16,564
This statistic depicts the number of active physicians in New Jersey as of March 2021, ordered by specialty area. At that time, there were 1,608 anesthesiologists active in New Jersey. In total, there were 16,564 practicing specialty physicians in New Jersey at that time.
Choosing Your Term for Disability Insurance
Think about how you would survive if your income was taken away? That's what disability insurance is for. Long-term disabilities can keep people from working, which means they may lose their homes and any financial stability that comes with it all because there will be no more monthly payments coming in on time every month like before when someone had this kind of coverage through work or other sources such as Social Security Administration (SSA).
Disability policies have two main types: short term benefits cover temporary injuries/ills lasting three months up until year one following purchase; while longtermers usually provide
Short term disability insurance generally covers physicians between 3–6 months, replaces up to 80 percent of your income while you’re covered, and covers more temporary disabilities such as back injuries, arthritis, childbirth or maternity leave, or vehicle accident injuries.
Short-term disability insurance helps to cover the costs of lost wages for a limited period. If you're unable work due illness or injury, long term coverage will provide financial stability until your condition has improved enough that it's safe and reasonable again for return back into employment
Long Term Disability (LTD) Insurance: This form covers permanent disabilities caused by chronic conditions which stop an individual from working as well providing needed regular income during covered time periods The goal of long-term disability insurance is to replace your take-home pay prior to your disability, which can include a variety of catastrophic issues including:
Mental health disorders
How to Get Your Disability Insurance Policy
At Pattern, our goal is to provide you with the resources and expertise needed both to fully understand physician disability insurance, but also to find the best policy for you. As an independent agency, we don’t have any affiliation to any of the Big 6 Companies that offer policies for doctors. We are only looking out for your best interests and are dedicated to keeping you informed as you complete the process.
When you work with Pattern, we work with you to complete 3 simple steps:
Request your quotes: you fill out a quote request form, and we submit it to each of the Big 6 Companies
Compare your options: you review and compare your six quotes. Your Pattern support team will be there to guide you through the policies, answer your questions, provide examples, and make sure you have a clear understanding of each policy.
Apply and buy: after you’ve made a decision, we will help you complete and submit a short application. From there, we will handle the insurance paperwork and get your income insured.
For frequently asked questions about physician disability insurance, visit Chapter 8 of our Guide to Disability Insurance!