If I Buy a Cheaper Policy, Am I Sacrificing Important Features So It Might Not Pay When I Need It?
Story at-a-glance Cheaper policies often cut key features that doctors need. Group and association plans look cheap but can change, end, or tax your benefit.
Resident Spotlight: How One Doctor Saved $27,000 by Applying in Training
Story at-a-glance Residents get special disability discounts that can cut costs for life. Megan applied in training and locked in lower rates and strong own
5 Signs It’s Time to Update Your Life Insurance Plan
Life changes fast — especially for doctors and dentists. Your income grows. Your family grows. Your responsibilities grow. But most people forget to check whether
How to Review Your Disability Policy Each January
Story at-a-glance Check your policy each January to make sure it still fits your income and life. Compare your benefit to your income. If it’s
What Is Own-Occupation Disability Insurance and Why It Matters
Story at-a-glance Own-occupation coverage protects your specialty. You’re paid if you can’t perform your medical duties, even if you work elsewhere. It defines “disability” correctly.
How to Protect Your Practice (for Self-Employed Doctors)
Story at-a-glance Your practice is your income engine. If you can’t work, both personal and business cash flow stop. Individual disability coverage protects your personal
Life Insurance vs. Disability Insurance: What’s the Difference?
Story at-a-glance Both protect your income. Life insurance helps your family if you die; disability insurance protects your paycheck if you can’t work. Different payouts.
What Happens if I Change Specialties, Reduce Clinical Time, or Go Into Non-Clinical Work — Will My Policy Still Protect Me?
Story at-a-glance Your policy follows you. It’s yours, not your employer’s. Claim = your job at that time. Coverage keys off the work you do
Should You Increase Your Disability Coverage for the New Year?
Story at-a-glance Your income likely grew. If your benefit didn’t, you’re underinsured. Disability coverage should grow with your career. Check it annually. Use your Future
The 7 Biggest Financial Mistakes Doctors Make in Their 30s
Story at-a-glance Your 30s are when your doctor paycheck jumps, but so do money risks (debt, kids, house, lifestyle). Mistake #1: Lifestyle inflation. Fix it
Is Disability Insurance Necessary Right Now, or Should I Wait Until I’m an Attending?
Story at-a-glance Waiting costs you coverage and cash. Rates rise ~3% yearly; one health issue can block eligibility. Your income is your real asset. Disability
How to Talk to Your Spouse About Disability Insurance
Story at-a-glance Disability insurance = love, not fear. It protects your family and lifestyle if you can’t work. Your income is your foundation. One illness