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Amber Stitt Insurance Planning for Medical Occupations

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Physician’s Guide to Disability Insurance

Disability Insurance provides you and your family with income should you become unable to work due to an illness or injury. However, Disability Insurance is one of the most complex and misunderstood insurance products there is.

When a disability occurs, there is often ambiguity in the degree of your disability and how that impacts your ability to perform your specific duties of your regular occupation or any occupation. There are illnesses and injuries that result in obvious severe disabilities that are incontestable and many disabilities are not as clear. Therefore, a determination has to be made by the insurance company as to what your real ability is, to do your job and sometimes that could lead to a disagreement between you and the insurance company come claim time and much of how they view the claim depends on what your medical records say about you.

man in wheelchair
6 Ways to Reduce Your Disability Insurance Premiums

1) Contract Definition

2) Premium Structure

3) Select A Waiting Period

4) Know Contract Differences

5) Remove Extra Riders

6) Ask for Discounts

MDDQ Physician Checklist
Optometrist’s Guide to Disability Insurance

Disability Insurance provides you and your family with income should you become unable to work due to an illness or injury. However, Disability Insurance is one of the most complex and misunderstood insurance products there is.

When a disability occurs, there is often ambiguity in the degree of your disability and how that impacts your ability to perform your specific duties of your regular occupation or any occupation. There are illnesses and injuries that result in obvious severe disabilities that are incontestable and many disabilities are not as clear. Therefore, a determination has to be made by the insurance company as to what your real ability is, to do your job and sometimes that could lead to a disagreement between you and the insurance company come claim time and much of how they view the claim depends on what your medical records say about you.

man in wheelchair
Optometrists Checklist
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