disability insurance

[MedicalBeast]

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I'm starting residency in a couple weeks and was interested in purchasing individual disability insurance. Does anyone have recommendations for providers that are specialty specific for PM&R?

Thanks!

 

[DOctorJay]

MetLife has a great own occupation policy for physicians. Smart to get it now!

 

[MedicalBeast]

thanks, will give them a call!

 

[MD Financial Services Scott]

There are only 7 carriers that offer true own specialty definitions for PM&R Guardian, Standard, Ameritas, MetLife, Principal, Mass and Ohio National. All other carriers will reduce benefits if you can't do your specialty and are off doing another occupation based on income lost.

 

[Tax Heaven]

I'm starting residency in a couple weeks and was interested in purchasing individual disability insurance. Does anyone have recommendations for providers that are specialty specific for PM&R?

Thanks!

I represent all insurance companies such as Metlife, Guardian, Principal, Mass, Northwestern Mutual and others. I normally try to match your residency program with the right contractual agreement of the insurance policy otherwise you might be paying for a policy that doesn't do what you think it might.
I can help if you are interested.
Thanks

 

[clubdeac]

Disability insurance is a crock! Biggest scam I've ever heard of.... they make a killing off us poor docs. Sad state of affairs

 

[lobelsteve]

Disability insurance is a crock! Biggest scam I've ever heard of.... they make a killing off us poor docs. Sad state of affairs

So dont buy it.

 

[clubdeac]

So dont buy it.

Dammit Steve why are you following me around SDN?! Truth be told, I actually dropped mine when I went back to the va

 

[lobelsteve]

Dammit Steve why are you following me around SDN?! Truth be told, I actually dropped mine when I went back to the va

It is a necessity if you are a doc raising a family and with loans.

 

[clubdeac]

It is a necessity if you are a doc raising a family and with loans.

Unfortunately and fortunately I have neither