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What You don’t Know about Disability Insurance Can Hurt you
I just read a new national survey about disability insurance by Wellpoint, Inc. and the findings are quite revealing: Two out of three Americans that have disability insurance don’t know what’s covered by their disability plans. Three our of four … Continue reading
When to Purchase Disability Insurance
You’ve studied up on disability insurance and have decided it would be a great idea to have this coverage. You have made a great decision, but I must warn you not to stop there. Now, it’s time to pull the … Continue reading
Disability Insurance for Doctors – a Short Course
Information about disability insurance for doctors can be found in various places, including on ProtectYourIncome.com. As we specialize in physician disability insurance, I am sensitive to the time constraints most of them have. Therefore, here is a short and to … Continue reading
Likelihood of Disability – The Need for Disability Insurance
A tool used in financial planning that one often sees is the financial planning pyramid. The bases of the premium are the items that protect the rest of the pyramid. This is the foundation. They are made up of protection … Continue reading
Total and Residual Disability – What’s the Difference?
The Difference Between Total and Residual Disability When you’re comparing different options for disability insurance, be on the lookout for the areas where policies are likely to differ. Don’t assume that terms are defined in the same way from one … Continue reading
Affordability of Disability Insurance
Wondering if you can afford disability insurance? While it’s understandable to be concerned about adding an additional expense to your monthly budget, financial statistics on long term disability insurance costs indicate that this important type of insurance coverage is among … Continue reading
Misconceptions about Disability Insurance
Do you have all the relevant facts you need to make a wise decision about disability insurance? Many people assume they have all the information necessary to make up their minds regarding this type of insurance, but this isn’t always … Continue reading
Short Term vs Long Term Disability Insurance
Disability insurance available through an employer comes in two general types – long term or short term. Short term disability insurance is usually coverage for up to a year and usually has a short “waiting period” i.e. the time before … Continue reading
The Importance of Disability Insurance
Why choose disability insurance? This isn’t an unusual question. After all, no one expects to become disabled. That’s exactly why disability insurance is so important. If you’re wondering if acquiring disability insurance is something you need to do, it’s important … Continue reading
Disability Insurance is too Expensive
I hear this refrain quite often from potential disability insurance clients and, I must say, it isn’t limited to any particular income bracket. I have had prospective clients earning in excess of one million dollars annually telling me that the … Continue reading