Many young physicians wonder if the Cost Of Living Adjustment is an important insurance rider. They want to know how a COLA works and how it’s calculated.
By earning interest, a COLA ensures that disability payments keep pace with inflation.… READ MORE
To get disability insurance, your provider needs to review your medical history. That history is your medical underwriting. It determines your insurance rates. And once that insurance cost is set, it only covers your income at the time of that review.… READ MORE
Combining your disability coverage with life insurance sounds like a smart financial move. You want to cover career gaps after an injury and get the coverage that always protects your loved ones.
But having a sustainable financial future starts with knowing what discounts work for you.… READ MORE
When it comes to policy shopping, you might combine disability coverage with life insurance. But you want to make sure you get the most protection (without paying the most in fees).
There are a few things to consider in the underwriting process of combining plans.… READ MORE
It might feel like a waste of money getting coverage if you don’t perform extensive surgeries or exhaust your body every day. But a policy is about much more than preventing injuries….
The perfect policy will take care of your income when you’re sick or injured.… READ MORE
You might think you’re medically ‘uninsurable’ based on something that’s happened in the past…but conversations about coverage don’t end with a ‘yes’ or ‘no’ answer.
And by asking the right questions and knowing what options are available, you can explore the alternatives and find a powerful plan that protects your career (even if it’s not the one you wanted). … READ MORE
When looking into insurance rates, you might notice that the cost of a disability plan for females is significantly higher. But you don’t want to settle on a plan that doesn’t protect and preserve your career (just to save yourself from paying premium rates). … READ MORE