Story at-a-glance 1 in 4 physicians will face a disability that interrupts their ability to work for 3 months or more.A young doctor, just out of residency, protected her future $7–10 million in earnings with a private policy.Less than a year later, she was diagnosed with a brain tumor and
Misguided Missiles: Sleep-Deprived Medical Residents and Motor Vehicle Accidents
Story at-a-glance Medical residents are routinely placed at risk for drowsy driving crashes due to extreme shift lengths and sleep deprivation.Studies show drowsy driving can be as dangerous as drunk driving, doubling the risk of crashes after extended shifts.Real-life incidents reveal serious
Dovetail Your Disability and Health Coverage
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