Feranmi Okanlami’s Story

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For physicians wondering why they need disability insurance, Feranmi Okanlami’s story is a personal example on how having coverage can save you from financial stress in a time of uncertainty. Work With Physicians Thrive Get Your Free Disability Insurance Quote! It’s easy! Start My Contract Review Get Financial Planning

Unpacking Short-Term vs. Long Term Disability Insurance for Doctors

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For physicians, comprehensive disability insurance is the cornerstone of prudent financial planning. While no one anticipates suffering an unexpected illness or injury, disability claims are more common than you might think. It’s estimated that one third of American workers will experience a disability that prevents them from working at some point in their career.

Why Doctors Need Own-Occupation Disability Insurance

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When it comes to disability insurance for doctors, they don’t create all plans equally. Most physicians and surgeons are well-aware of the importance of disability insurance. However, the key differences between employer-provided group plans and own-occupation insurance can be easy to overlook at first glance. These distinctions, often buried within subtle contractual language, can be … Read more

3 Tips for Picking Disability Insurance

Traditionally, they design an individual disability insurance policy to pay out benefits to replace lost income if a physician becomes too sick or injured to work in their specialty. When determining their ideal benefit amount, many physicians only consider their most basic living expenses, such as bills, rent, and groceries. While it is essential that … Read more

The Doctor’s Life Podcast Episode 040- Should You Get Disability Insurance Without an Exam?

Do you need the disability insurance exam?

You have options when it comes to disability insurance. One of those is if you should take the disability insurance exam or not. What is actually in that medical exam and does it matter?
Justin Nabity is back in The Doctor’s Life Podcast studio to answer these questions. All episodes of The Doctor’s Life Podcast are available on iTunes, Android, and on SoundCloud. Make sure to subscribe and you will be the first to get new episodes of The Doctor’s Life Podcast.

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Disability Insurance With an Exam…or Without?

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DI Exam

This topic comes up all of the time when doctors are considering the question of, what is the best way to get disability insurance (DI). Does it really matter? Does it affect the cost? How about what they include in the plan? Is there any difference?

First let’s discuss what is a medical DI exam in this setting? Just as with any individually owned insurance, in most cases you have to meet with a nurse where they get your physical measurements, ask your health history questions and usually get a blood and urine sample. A simple physical is really all it is. Insurance companies require this because they are trying to get an idea how they should rate you? Either at the best rates or somewhere down the list.

What are they evaluating in the samples?

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The Doctor’s Life Podcast Episode 037- Do You Need Disability Insurance?

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Do You Need Disability Insurance?

So do you need disability insurance? As many doctors move from in-training to practicing right now, there is a (very!) significant jump in salary. You’ve heard all about disability insurance. You’ve probably wondered, ‘Do you need disability insurance?’

Dave Swan is back on The Doctor’s Life Podcast to tell you what you need to know about disability insurance and if you may need it. All episodes of The Doctor’s Life Podcast are available on iTunes, Android, and on SoundCloud. Make sure to subscribe and you will be the first to get new episodes of The Doctor’s Life Podcast.

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Doctor’s Life Podcast Episode 030- Group Disability Insurance

You have probably been offered group disability insurance through an employer at some point in your career. There is a lot to think about with group disability insurance. Many of the factors are negative and do not benefit you at all.

With it being disability insurance season, Justin Nabity is back on The Doctor’s Life Podcast to run through the idea of group disability insurance. All episodes of The Doctor’s Life Podcast are available on iTunes, Android, and on SoundCloud. Make sure to subscribe and you will be the first to get new episodes of The Doctor’s Life Podcast.

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DLP 027- When You Should Get Disability Insurance

Do you know when you should get disability insurance? If you like saving thousands of dollars over your career, there is definitely a right time to start a disability insurance policy.

Justin Nabity answers the question of when you should get disability insurance on this episode of The Doctor’s Life Podcast. All episodes of The Doctor’s Life Podcast are available on iTunes, Android, and on SoundCloud. Make sure to subscribe and you will be the first to get new episodes of The Doctor’s Life Podcast.

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