Disability Insurance with a Pre-Existing Condition

October 18, 2022May 24, 2019 by Justin Nabity

Pre-existing conditions are a common talking point when it comes to health insurance, and under current federal health care, they cannot deny you health insurance due to a pre-existing condition. When it comes to disability insurance however, there is a different set of rules. Depending on the specific condition and the insurance company, an individual … Read more

The Pros and Cons of Paying Off Your Mortgage Early

December 10, 2024May 21, 2019 by Justin Nabity

Most people dream about the day they finally pay off their mortgage. After years and years of monthly payments, it feels pretty good to sign that last check.

So, you’d think that paying off your mortgage early would make sense, right? If you’re a physician with a hefty monthly salary, wouldn’t you want to pay it off ASAP?

Well, not necessarily.

If you have the means, it’s tempting to pay off your debts in one lump sum and stop worrying about monthly payments.

However, paying a lump sum (or a series of lump sums) isn’t always the way to go.

In fact, it might even be detrimental to your finances. Depending on your situation, it may or may not be a good option for you.

Volatility Abruptly Returns to Markets on Continuing Trade Worries

July 9, 2025May 21, 2019 by Justin Nabity

Volatility abruptly returned to markets as stocks finished negative for the second consecutive week. The week started on a negative note as trade tensions between the US and China escalated. On Monday, China announced it will raise tariffs on $60 billion of US goods starting June 1. In retaliation to the US imposing a tariff … Read more

Renewed Tariff Fears Sink Markets

July 9, 2025May 14, 2019 by Justin Nabity

Tariff Fears Following the best four-month start to a year for US stocks since 1999, markets retreated as renewed tariff fears took center stage. In recent weeks, many major indices had reached fresh all-time-highs. As it appeared the US and China were closing in on a trade deal. However, early in the week US officials … Read more

Does Disability Insurance Cover Mental Health?

October 20, 2022May 10, 2019 by Justin Nabity

When it comes to disability insurance, coverage limitations and higher premiums are still common for physicians who have dealt with mental health issues. Mental health coverage is an important consideration when choosing a long-term disability plan, even if you don’t consider yourself likely to ever need this type of coverage. True own-occupation disability insurance provides … Read more

US Labor Market Continues to Flex Muscle

July 9, 2025May 7, 2019 by Justin Nabity

The US labor market continued to flex its muscle, sending stocks higher to end the week. Payrolls increased by 263,000, easily beating the expected gain of 180,000 for the month. As the economy continued adding new jobs, the unemployment rate fell to 3.6% – the lowest level since reaching 3.5% in 1969. As the labor … Read more

Physician Focused: The 3 Things Residents Need to Look for in Their Employment Contract

December 10, 2024May 6, 2019 by Justin Nabity

Negotiating-Employment-Contract-Physician

Originally Posted by Erin Dabbs from Physician Focused on Apr 2, 2019 You’ve received your first-ever 40-page contract from an employer. It’s your first job offer and you deserve it. What feelings come to mind when thinking about coming back around to the employer and negotiating? It’s normal to want to avoid sounding greedy, not … Read more

S&P 500 Reaches Record High

July 9, 2025May 1, 2019 by Justin Nabity

The S&P 500 closed at a record high as stronger than expected earnings and GDP boosted equity markets. On Tuesday, the S&P 500 closed at a new all-time-high for the first time since September 20, 2018. This officially marked an end to the correction which began half a year ago. Since the low on December … Read more

Valerie King’s Story

October 18, 2022April 17, 2019 by Justin Nabity

Story of an ER Doctor When life happens, will you and your family be prepared? Find out how this single mother and ER doctor, Valerie King, M.D., managed when she found out she has ulcerative colitis. The video below goes into much more detail on her story and background. Request a disability insurance comparison quote … Read more

Earnings Season Kicks Off as Markets Search for Direction

July 9, 2025April 16, 2019 by Justin Nabity

Week in Review Earnings season kicks off as markets search for near-term direction. Friday was the start of Q1 2019 earnings season as major banks started to report results. JPMorgan Chase reported better than expected first quarter results. Providing a boost to major stock indices to end the week. While this was a strong start … Read more

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