Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .Quick answer: both riders let you increase your benefit later without answering any new health questions. That's why either one is worth having.☰ Table of Contents
Guardian GSI Disability Insurance for Residents: What to Know Before You Apply
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .A practical guide to Guardian's Guaranteed Standard Issue program for medical residents and fellows — and why the order you apply matters.Table of Contents Introduction
Why Training Is the Best Time to Buy Disability Insurance
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .Quick answer: training is generally the least expensive and easiest time for residents and fellows to buy disability insurance. You're usually at your healthiest, some carriers offer
How Life Insurance Fits Into a Doctor’s Tax Strategy
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .Life insurance is usually framed as pure protection, but for high-income physicians and dentists it also does real work in a tax plan — tax-free death benefits, tax-deferred cash
Can Doctors Deduct Disability Insurance Premiums?
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .Quick answer: most doctors and dentists can't deduct their disability insurance premiums. That's usually the better outcome.☰ Table of Contents The Quick Answer
The Truth About Employer-Provided Disability Insurance
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .Your hospital plan is a floor, not a plan. It is usually calculated on base salary only, capped at a dollar amount that stops mattering once your income climbs, reduced by offsets,
Disability Insurance for Married Residents: How to Protect Two Incomes
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .How married resident couples should coordinate disability coverage: training-rate discounts by carrier, applying together as a couple, coordination of benefits, taxes, and what happens if
How to Review Your Disability Policy Each January
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .A 10-minute annual checklist for physicians and dentists: how to pull your policy, compare your benefit to your real income, check your riders, and make updates while you still qualify.