Story at-a-glance Integrating health and disability insurance helps employees better navigate illness, injury, and financial risk.Early symptom care reduces disability risk—when employees understand their health benefits, they seek treatment sooner.Out-of-pocket medical costs add up fast, even
Doctor Disability Insurance: Importance of Cost of Living Adjustment
Story at-a-glance Missing key riders can cost you—especially the Cost of Living Adjustment (COLA) that protects against inflation.COLA keeps your benefits growing—flat-rate or CPI-linked options ensure your payout keeps pace with rising costs.Inflation hits hard over time—especially for
Doctor Disability Insurance: Will Your Coverage Keep Up With Your Income?
Story at-a-glance Your income will grow—your disability insurance should too or you risk being underinsured.Most policies don’t adjust over time, leaving high earners stuck with outdated benefits.Future increase riders let your coverage grow without reapplying or requalifying.Inflation and
Doctors Disability: Lock in Protection Before It’s Too Late
Story at-a-glance 75% of disabled Americans face financial hardship—and doctors aren’t immune.1 in 4 workers will become disabled before retirement, risking total income loss.Waiting to get coverage can cost 5X more—or leave you uninsurable entirely.Disability insurance protects your income
Physician Own Occupation Disability Insurance: Protect Your Income Before It’s Too Late
Story at-a-glance Home-based practices are rising—but with more freedom comes bigger financial risk.One injury or illness can shut you down—and there’s no employer safety net when you’re solo.Burnout hits harder at home—work-life blur and constant stress raise your risk of disability.Physician
Disability Insurance Cost: The Real Price of Protecting Your Income
Story at-a-glance 1 in 3 doctors face a disability before retirement—your income isn’t guaranteed.If you can’t work, your paycheck stops—but your bills don’t.Disability insurance protects your lifestyle when injury or illness takes you out of practice.It’s affordable peace of mind—just 1–3% of
Disability Insurance Quotes: Why Social Security Won’t Save You
Story at-a-glance Social Security Disability Insurance (SSDI) pays an average of $1,000/month—far below what physicians and dentists need.The system is underfunded, slow, and hard to qualify for, especially for high-income earners.Approval requires proving you're unable to work in any job, not
Doctor Disability Insurance: The Only Backup Plan That Actually Works
Story at-a-glance Illness—not accidents—is the leading cause of disability, yet most doctors underestimate their risk.15+ million Americans experience disabling conditions annually, but only 18% have disability insurance.Physicians are especially vulnerable—losing hand, eye, or brain function