Personal Insurance Solutions

For Physicians & Dentists


Long-Term Care Insurance

Have you thought about long-term care and how you plan to address this important need. The need for these services increases as we get older.

Long-term care can derail your plans unless you plan for it. Let’s discuss how you can be prepared for the financial, mental, and emotional challenges you and your loved ones will face if you or they need long-term care.

Learn how you can plan for long-term care.

Download 2019 Long-Term Care Consumer Guide

Click below for valuable information about long-term care and long-term care insurance.

Awareness of Disability

Physicians and dentists are more likely than any other profession or occupation to purchase an individual disability insurance policy.  Below are several reasons why:

More Aware of Disability
  • Most physicians see sickness and disability every day in their practice of medicine. Many times it’s physicians who inform patients that they may qualify for disability.  This keeps the idea of becoming disabled front and center.
Highly Trained & Skilled
  • Many physicians and dentists, especially specialists, perform fine motor skill procedures. An injury or sickness that does not disable the average worker might very well disable a physician or dentist for a long period of time, if not permanently.
Much to Lose Financially
  • Physicians earn significantly more income than most workers. Whenever there’s more income earned, there’s more to be lost due to disability. Disability is one of the biggest financial fears of most physicians.
Loss of Identity and Purpose
  • When a physician or dentist becomes totally disabled, especially if it is long-term or permanent, they often feel as if they have lost their identity or purpose.  They no longer occupy the esteemed position of physician or dentist in their professional and personal communities.  They are no longer able to perform the skilled work of their profession.  A sense of loss of identity and purpose can be a painful psychological effect of becoming disabled.
Self Protection
  • Some physicians and dentists work in small practices and are responsible for providing their own disability insurance. Increasing numbers work for large clinics or hospitals. Many of those employers provide free group long-term disability benefits. But group disability benefits seldom provide the amount or quality of coverage most physicians and dentists need and want. This leaves a need for supplemental, individual disability policies that the physician or dentist must take the responsibility to purchase.

Get Peace of Mind & Financial Security

With 30+ years experience with physicians and dentists, I can help meet your needs with a high-quality, Own Occupation/Specialty disability insurance policy.

Request Disability Insurance Quote

Receive a Customized Disability Insurance Quote, Including a Comparison of the Leading Carriers for Physicians & Dentists.

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Are You a Medical Resident or Fellow?

If so, you’re in an interesting situation regarding disability insurance.  You’re not earning a practicing physician’s income yet, but you will be soon.

That’s why many residents and fellows make the decision to purchase disability insurance policies to begin protecting their greatest asset:  their future potential income.

It can be hard to navigate all the options you have for disability insurance protection.  I’ll help you understand the best insurance policies for you as a resident or fellow, as well as for your medical career.

Elimination Period: “Consecutive Days” vs. “Interrupted Periods”

I recently reviewed a group Long-Term Disability (LTD) policy for a client. My client will be covered by the LTD policy, provided by his employer, when he begins a new job later this year. He will also apply for his own individual disability insurance policy because...

What Residents Need to Know About Disability Insurance

I was recently asked, "What do medical residents need to know about disability insurance? My first thoughts  were about getting a policy with Own Occupation protection and with the best benefit features. But those things are important for every doctor who needs a...

Disability Insurance: It’s Not About the Odds

You've probably heard various references to statistics about the odds of becoming disabled. One that is commonly referenced is from the U.S. Social Security Administration, which found that 1 in 4 twenty year olds will become disabled during their working years. Let's...

The Perfect Imperfect Disability Insurance Solution?

Do you know what an exclusion rider is? It is a provision in individual disability policies issued to certain people that will exclude benefit payments for disabilities caused by specific medical conditions. Exclusion riders are typically used by an insurance company...

Top 7 Causes of Disability

If you're reading this, you probably already have a disability insurance policy or are considering getting one. You recognize that becoming disabled is a real possibility with real consequences, which you cannot afford to ignore. But what could actually cause you to...

3 Reasons to Love Non-Can DI Policies

How strong are the guarantees in your individual disability insurance policy? The reason you buy a disability policy is to protect your income in case you ever become disabled and unable to work.  It's as simple as that.  The policy will presumably protect your income...

Avoid Restrictive Policy Definitions

The definitions in your disability insurance policy may one day be used to determine whether or not you are disabled. Being sick or hurt and unable to work and do your job is only one part of that determination. The other part is the insurance company, your policy,...

A Good Example of a Bad Definition of Disability

How would you feel if you became totally disabled today and your disability policy contained the following definition of disability? "Disabled means that, solely because of a covered injury or sickness, you are unable to perform the material duties of your regular...

“Own Occupation” Riddle

In my experience, physicians and dentists love asking about hypothetical claim situations and whether or not a disability policy will pay a benefit in various  situations. Below is a riddle that deals with a unique hypothetical claim situation and which illustrates...

“True” Own Occupation – Freedom To Choose

As we observe Independence Day this weekend, let’s consider how much "freedom to choose" you would have if you became totally disabled. If you are a physician or dentist, I assume you have some type of disability insurance. Do you have “True” Own Occupation coverage? ...

I have been a client of Greg’s since 2007. Greg has always provided impeccable customer service and his knowledge is beyond compare in the specialized disability insurance market. I feel protected and confident for my future and my family’s thanks to Greg.

Anthony G. Smith

General Surgeon - Concord, NC