So often our agency, which has insured physicians and mid-level providers for 25 years, comes across the similar scenario, the physicians would like to qualify for more insurance, they are capped by a combination of their underlying group long term plus the individual, non-cancellable policy which they purchased years ago, at a lower rate, a lower benefit. We would like to help our physicians obtain more disability insurance, so that if something happens, even if temporarily, the income stream provided by the insurance companies actually sustains the lifestyle rather than simply fills up the gaps short of the necessary income during a traumatic time of injury, illness and recovery.
[It may surprise you that in December of 2010, there were over 2.5 million disabled workers in their 20s, 30s, and 40s receiving Social Security insurance benefits due to a disability] * Source: Social Security Administration, Disabled Worker Beneficiary Statistics, ssa.gov
The majority of disability needs analysis c ...
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