The state of Massachusetts is taking away gender-neutral discounting.
This means that you can no longer add that to your policy to get a whopping 30-40% discount, which is the highest discount you can claim as an attendee.… READ MORE
Disability premiums can be seen as a “luxury,” especially when various expenses wear you down.
Which makes it easy to delay paying it until a later time. But this is a fatal mistake.
Why?
Disability can come knocking on anyone’s door at any time.… READ MORE
What do you think, as a young physician, your most crucial asset is?
Your retirement account or your real estate portfolio? Or some other type of holding?
What if I told you it’s none of that…
The most important asset as a young physician is your ability to get up from bed every day and do your job.… READ MORE
Many physicians end up paying more than necessary for the same exact disability policy as another one who pays half of what they do.
Why?
They committed one of the 5 major mistakes which skyrocket disability policy rates.… READ MORE
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.… READ MORE
Employer long-term disability (LTD) coverage lures many young physicians into making a massive financial mistake.
Why?
Because employer LTD coverage is much cheaper than private speciality policies.… READ MORE
Having a principal’s benefit update rider allows you to increase your coverage as your income grows. This is crucial because most trainees only get $5,000 a month in disability coverage, but specialists can get up to $30,000 per month.… READ MORE
Unlocking the best disability coverage for physicians in the nation is a simple process. But it does require your medical records and an underwriter.
While most physicians have no trouble with this process, it can take longer than expected for insurance companies to make sure you’re healthy-ish.… READ MORE
We live in an uncertain and unpredictable world where one small mistake can cause untold decades of suffering. Becoming disabled, for example, threatens your ability to make a living, pay off your student loan debt, and provide for your family.… READ MORE
Many of my clients plan on moving to California after their residency. And so they ask if they should purchase disability insurance before moving.
My answer?
Absolutely! In fact, disability insurance costs 20-30% more in California compared to any of the 49 other states.… READ MORE
