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After our help with reviewing your options, you made the wise decision to apply for disability protection with a reputable insurance carrier.  Now, you may be asking, what happens next?

The general application process is similar for everyone, but there could be additional requirements depending on the applicant and situation. 

Step 1:

Typically, as a young physician or dentist, you will want to secure individual disability coverage to lock in your health.  We often meet our clients as residents or fellows and discuss the importance of properly designing a quality disability policy.  The disability marketplace is constantly changing and as advisors we must stay current on the many changes among the carriers.  O

When we submit a disability application for a client we always hope it’s approved as applied with no modifications or exclusions.  However, reality is that some applicants have pre-existing health conditions.  One of the most prevalent health issues for our clients is the treatment of mental health conditions, such as anxiety or depression.  This is one of the largest claim

Once you have decided on your preferred insurance plan the next major step is submitting an application.  Generally speaking, applications will document your personal information (name, date of birth, social security number, driver’s license number, income, profession, etc.) along with health history details (illnesses, injuries, medications, surgeries, etc.).  In addition, carr

There are several important reasons to secure individual disability insurance as a Resident or Fellow.  Before elaborating on those reasons, let’s reiterate the importance of income protection.  Disability protection provides a paycheck should a disability occur.  Disabilities can take any form, but are categorized as illnesses (90% of claims) or injuries (10% of claims).&n