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I am looking into buying disability insurance. What sould I be looking for and what should I avoid? How much do I need? Should I buy it while still in residency? Any advise is welcome. Thanks
I am looking into buying disability insurance. What sould I be looking for and what should I avoid? How much do I need? Should I buy it while still in residency? Any advise is welcome. Thanks
So where do you get your disability insurance after residency and where would you suggest??
Most programs/schools/employers offer disability insurance. Also, AFLAC and most other big insurance companies offer packages.
it is CRUCIAL that you get individual coverage BEFORE you get group coverage... because that way the benefits are ADDITIVE
if you get group coverage first then it doesn't matter re: individual coverage because it won't be additive
also important to save up about 6 months of salary because you never know what will happen with your job or your life --- and also because disability insurance kicks in only after 3 months (and that is if they agree that you are disabled - they may contest it)...