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Disability Insurance Quotes – How your Occupation Affects Your Quotes
When you request disability insurance quotes from an agent or broker, you will be asked for your occupation. The reason for this can be found in any policy’s definition of total disability. In an own-occupation definition of disability, for example, … Continue reading
Own Occupation Disability Insurance- Do you Need it?
Before I share my thoughts about own occupation disability insurance, I thought I should give you definitions of “True Own Occupation” and “Modified Own Occupation,” as they aren’t always clearly identified. True Own Occupation: Due to injury or illness, you … Continue reading
More Disability Insurance Claim Prevention Tips for the Holidays
In my last post, I covered Christmas tree and decorating safety tips. To us, Happy Holidays includes no disability insurance claims for our clients. Here are some additional tips from the National Safety Council to help you avoid a claims … Continue reading
Disability Insurance Claim Prevention Tips for the Holidays
If you have disability insurance, these holiday safety tips from the National Safety Council that will keep you save and may keep you from filing a claim: Christmas Tree and Holiday Decorating Safety Never use lighted candles near trees, boughs, … Continue reading
Disability Insurance for Doctors – How to Choose
If you, as a physician, have shopped for disability insurance for doctors, you have probably been made aware of the key elements you should look for in a policy. If you have spoken with an agent or broker who fully … Continue reading
Is Disability Insurance for Physicians Only?
If you look for disability insurance quotes on the Internet, you’re likely to find many websites advertising Disability Insurance for Physicians. If you aren’t a physician, you might wonder why so many insurance brokers, online and offline, target the physician … Continue reading
Social Security Slows Disability Payments
When potential clients tell me that they don’t need disability insurance because they will be taken care of by Social Security, I show them statistics about SSDI payments (or lack thereof) and how long they might have to wait for … Continue reading
What Others Should Learn from Physician Disability Insurance
Most insurance professionals who sell disability insurance, including myself, specifically target physicians and dentists. As residents, they are often given a group disability policy as part of their benefit packages. To supplement the group coverage, many residents purchase supplemental individual … Continue reading
Disability Insurance does not only Cover Accidents
If I had a dollar for every time somebody told me they don’t need disability insurance because they don’t believe they will ever get in an accident (auto or otherwise), I would be a wealth man (well, maybe I’d have … Continue reading
Disability Insurance Recommended by Jim Cramer
I read an interesting article in TheStreet.com, which was a recap of a Mad Money show, in which Jim Cramer listed three crucial necessities that investors must take care of before investing in the stock market: The first necessity is … Continue reading