by Greg Conway | Mar 15, 2016 | Disability Insurance
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...
by Greg Conway | Aug 31, 2015 | Disability Insurance, Medical Resident
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...
by Greg Conway | May 22, 2015 | Disability Insurance
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....
by Greg Conway | Mar 24, 2015 | Disability Insurance
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...
by Greg Conway | Jan 27, 2015 | Disability Insurance
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...
by Greg Conway | Sep 16, 2014 | Disability Insurance
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...
