While there is no actual data available that indicates the percentage of physician disabilities which are partial, as opposed to total, our experience indicates that it is very nearly half and half. A partial disability due to an illness or injury may prevent a physician from performing some of his
May is Physician Disability Insurance Awareness Month
Maybe it’s just a coincidence that May is both National Arthritis Awareness Month and Disability Insurance Awareness Month. But with the recent study released by Global Burden of Disease that found that musculoskeletal (MSK) conditions are the second greatest cause of disability, it serves as a
Physicians Should Base Disability Insurance on Reality, not Rules of Thumb
In countless blog posts here we have stressed the importance of understanding the definition of “disability” in choosing a physician’s disability insurance plan. More than any other type of professional, physicians must be able to protect their specific occupation and specialty from the prospect of
Will Your Disability Policy Protect You at the Next Level?
The medical profession is unusual in many respects, but one in particular sets it apart from all most other professions; and that is the meteoric rise in income most medical professionals experience beginning the day they complete their residency. And unlike most other professionals, physicians are
Disability Insurance Premiums – How are they determined?
Compared with other forms of insurance, disability insurance premiums tend to be much more expensive. Why? Because you are at a greater risk of becoming disabled than you are to die prematurely or lose your house to a fire. Understanding how disability insurance premiums are calculated and knowing
Disability Insurance for Military Doctors: Military Doctors May Lose Coverage
Doctor Disability: Military Doctors May Lose Coverage Thanks to our military doctors, many wounded warriors and injured civilians have received critical, life-saving care. Some have been cosmetically restored, while others have been fitted with prosthetic devices that have enabled them to live
Why Medical Students Need Disability Insurance
Physician disability insurance is essential at every stage in your career as a medical professional. However, as a medical student, living with little to no income while accruing significant debt exposes you to particularly unique risks.According to the American Medical Student Association, over 86%
Dovetail Your Disability and Health Coverage
If your clinic, center, practice or group is one of the many professional medical organizations offering both health and disability insurance to your executives, doctors and workers, you need to know about the benefits of dovetailing your health and disability coverage for employees who become