Two types of disability policies

November 16, 2022

Billy Gwaltney

Billy Gwaltney | Cover Your Assets

Two types of disability policies

Billy Gwaltney | Cover Your Assets Billy Gwaltney | Cover Your Assets

Two types of disability policies Two types of disability policies

Currently Playing

When physicians reach out to me about disability policies, they always ask what types of disability policies are available.

There are two different types. But even though they’re both considered disability policies, one works in your favor and you may be forced to pay back your benefits with the other one.

In this episode, you’ll discover the two types of disability policies, and which one you should choose for the maximum benefit.

Listen now.

Show highlights:

The 2 types of disability policies (and how to pick the best one for you) (0:49)
The “adverse selection” reason for why group LTD policies restrict your benefits (3:14)
Why you might be forced to pay back your disability benefits if you sign up for the group LTD policy (6:12)
How to get paid your full disability policy (even after landing another job) (7:19)

Billy Gwaltney

Billy’s specialty is brokering and servicing own-occupation disability insurance protection for physicians and business professionals. He works with clients across the United States. He’s been in the insurance and financial services industry since 1991.

Billy lives in Concord, NC and spends most of his free time with his wife, Ann Marie, and their two children, Ava and Gavin. In addition to serving his clients, Billy is passionate about the gospel, world missions, baseball and his favorite sports teams (the Carolina Panthers, Atlanta Braves, UNC Charlotte 49ers and Duke Blue Devils).

www.ownoccdisability.com