Remember to keep group long-term disability insurance that is provided by an employer and/or association as your secondary plan, not primary.
It happens all of the time. Physicians get lost in the Disability Insurance Maze. This is because of misunderstandings about what they wrote in the fine print of disability insurance contracts. Whether they are group or individual insurance plans. They are not experts in legal contracts. They often place too much faith in the employer to adequately select a disability plan that provides the coverage physicians need. Most employers often select group disability plans based on cost rather than the strength of the policy.
