You’re in residency. You’re working crazy hours. You’re living on a tight budget. So it’s fair to ask:“Do I really need disability insurance right now?”The answer is simple: Yes. And the earlier, the better.Here’s why. 1. Your Future Income Is Worth Protecting Right now, you may not be
Doctors Are at Higher Risk of Disability—Here’s Why the Numbers Matter
When people think about disability, they often picture physical injuries or chronic illness. But did you know doctors themselves face significant disability risks due to their demanding roles? Here’s a closer look at why physicians are more exposed—and how disability insurance becomes
How Inaccurate Medical Records Can Hurt Your Disability Insurance Application
If you’re planning to apply for disability insurance, here’s something you might not expect: your medical records could cause problems—even if you’re healthy.We’ve seen a growing trend where doctors, in trying to help patients get coverage from their health insurance, use diagnosis codes that make a
Why Self-Prescribing Medication Can Hurt Your Chances of Getting Disability Insurance
As a doctor, you’re trained to treat patients. You know the symptoms. You know the meds. So when something small pops up—a little anxiety, trouble sleeping, or minor pain—it might feel easier to just write yourself a quick prescription.It seems harmless. But when it comes to applying for disability
Why Your Disability Insurance Premium Is the Same No Matter Where You Buy It
If you're shopping for disability insurance, you might notice something surprising: the disability insurance premiums look very similar—sometimes exactly the same—no matter which agent or website you go to. You might even wonder, “Can I get a better deal somewhere else?” Here’s the truth: insurance
Transitioning to Full-Time Practice: Managing Your New Income
The Shift in Income Transitioning from residency or fellowship to full-time practice comes with a major increase in income. While it’s exciting, this is also a critical moment to set the foundation for long-term financial success. Many new attending physicians make costly financial mistakes
What is Guaranteed Standard Issue (GSI) Disability Insurance, and Why Should Medical Residents and Fellows Care?
If you're a medical resident or fellow, GSI could be a game-changer when it comes to protecting your income—and it’s a solution that doesn’t require the hassle of medical underwriting. What is GSI Disability Insurance? Guaranteed Standard Issue (GSI) disability insurance is exactly what it sounds
Life Insurance for High-Income Earners
Tailoring Policies for Future Financial Success As a medical resident or fellow, you are on the brink of a rewarding career that promises substantial financial gains. However, with great income potential comes the responsibility of securing your financial future and protecting your loved ones.