Monthly Archives: January 2005

There’s no other occupation that is more interested in and buys more disability insurance than physicians. Why? There are several factors. First: Physicians are unique among higher earners in that a doctor depends almost completely on his or her skills, … Continue reading →

If ever there was an “important” kind of insurance, it’s disability insurance. One’s ability to earn an income is usually one’s largest asset. It’s not fun to think about but what would you do if your income stopped? You and … Continue reading →

There are different ways that insurance companies use to define what disability is. There also is misinformation on the topic. We’ll try to help you sort that out. First there’s the “pure” own occupation of disability. This definition, in essence, … Continue reading →

Here’s an analogy which answers that question: You’re faced with having to deposit a good part of your future earnings in a financial institution to be held in trust for you in case you can’t work because of disability. What … Continue reading →

The first area of concern for most professionals looking for disability insurance is usually the definition of disability. The question asked is: “Does it cover me if I can’t do the duties of a ______(one’s occupation)? ” This is a … Continue reading →

It’s always interesting to me to see statistics regarding disability . Follow the link to this chart that shows the likelihood of a long term disability as compared to someone dying at different ages. Most people with families think about … Continue reading →

Guardian Life’s disability insurance policy remains as our most popular disability policy. In most states it is issued through Berkshire Life which is a 100% owned subsidiary of Guardian (all states except California). Guardian is especially popular with physicians. Among … Continue reading →