Monthly Archives: March 2005

Approximately 375,000 people in the United States become totally disabled every year. A 35 years old has a 50 percent chance of experiencing a disability for 90 days or more before he or she turns 65. Most individuals in America … Continue reading →

Ok, so you are smart enough to get a good individual disabiity insurance policy with all the right bells and whistles such as the own occupation definition, residual disability benefits including recovery benefits as in a Guardian Life Insurance disability … Continue reading →

Are you aware that there’s a component in your social security benefit that’s a benefit in case you’re disabled which is in essence a government long term disability insurance policy? This benefit allows a person, no matter their income, to … Continue reading →

As a doctor, not only should you have an occupation definition of disability in a disability insurance policy, you should have an insurance company with a “specialty definition.” The occupation definition of disability states in general (exact wording depends on … Continue reading →

One of the primary areas a surgeon should consider in a disability insurance policy is a true own occupation definition of total disability. What does an “own occupation” definition of disability mean? Simply stated, it is defined by one major … Continue reading →

1. Statistics show that most people, no matter their income, spend or have financial commitments that use up 65 percent to 75 percent of their cash flow. Many people spend 100% of their cash flow. If you just think about … Continue reading →