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Our Post On Whitecoat Investor – Guaranteed Standard Issue Disability Insurance
“Disability insurance is the most difficult type of insurance to secure but something all physicians should establish. Approximately 40% of all disability insurance applications result in either a declination or a policy modification… Read the rest of the post at: https://www.whitecoatinvestor.com/guaranteed-standard-issue-disability-insurance/ To learn more and see if your program has a guaranteed standard issue program,...
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Principal Unisex Rates for Physician Disability Insurance Ending 1/1/2021
Principal is currently the only carrier offering gender neutral / unisex discounted rates for physician disability insurance at many institutions/hospitals. For females, this represents a significant (40%) discount. As of January 1 2021, this discount will change to a gender-specific one. As of now there is no word of any other carrier planning to offer...
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25% Discount for Military Physician Disability Insurance Now Available – And Note Regarding Eligibility to Apply
Earlier this summer, MassMutual started allowing the use of the federal employee discount for military physicians and dentists. The discount is 25% off the gender distinct rates. The discount is permanent and also applies to future increases with the future insurability option (FIO) rider or the benefit increase rider (BIR). All of our clients since...
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Check out our insurance article in Finance Monthly!
Learn about how COVID-19 is affecting the insurance marketplace, and what you should know about disability insurance to protect your livelihood. Our article can be found on page 40 in the e-magazine issue at the following link. https://www.finance-monthly.com/issues/2020/06/ You can also view our article in website format by clicking the following link. https://www.finance-monthly.com/2020/05/disability-insurance-101/ As always,...
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Principal Disability Insurance – $35,000 Monthly Benefit Issue Limit Program Through 2020
Most disability insurance companies have monthly benefit limits of $20,000. To establish more coverage than that, you would have to establish a second policy from another disability insurance company. Now, through the end of 2020, Principal, one of the leading providers of DI for physicians, will issue a monthly benefit up to $35,000, subject to...
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Ameritas Disability Insurance Issuing Higher Monthly Benefit Limits
Following their update last year for “6M” medical occupations, Ameritas Disability Insurance has increased the monthly benefit limits for “4M and “5M” medical occupation classes. Contact us today to take advantage of these higher benefit limits. We have never had a disabled client say that they receive too many disability benefits. The new limits are...
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Why not Kaiser disability insurance?
Like all group disability insurance, Kaiser disability insurance is a good deal if you are unable to qualify for a private policy from a top insurer. It functions best as a supplement to private policies. Let’s examine the need to know facts about the Kaiser sponsored disability plan. 1. It is not specialty specific /...
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Have you ever been declined for disability coverage? Do you have 80% your medical specialty income protected? We will help!
As a recognized leader in establishing innovative physician disability insurance solutions, DI 4 MDS is constantly negotiating with insurance carriers to accept a larger amount of risk for our physician clients. There are two major problems when it comes to adequately protecting physician income from the risk of disability: 1. Medical history restricting disability insurance...
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Stories from the field – individual vs physician group disability insurance
We recently met with a Pathologist fellow to review physician disability insurance. During the meeting, his wife revealed that her uncle is a vascular surgeon and became disabled due to a stroke. They explained that it was a struggle for him to receive benefits since his physician group disability insurance policy changed 5 times over...
