Physician's Guide to Disability Insurance
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Transcript of Physician's Guide to Disability Insurance
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7/27/2019 Physician's Guide to Disability Insurance
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[gysd`dim's Eudah tc
Adsiodldty Dmsurim`h
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[rhji`h
Adsiodldty dmsurim`h ds cmh cj tgh bcst bdsumahrstcca jdmim`dil prcau`ts oy pgysd`dims cj ill
iehs, mitdcmildtdhs, ima sph`diltdhs !gh `cbodmitdcm cj dmthmtdcmil bdsrhprhshmtitdcm oy
dmsurim`h `cbpimdhs ima vhry ldttlh tdbh jcr prcphr stuay ima hviluitdcm oy pgysd`dims lhias tc
bimy umjcrtumith surprdshs "ghm adsiodldtdhs gipphm ima dmsurim`h pcld`dhs irh rhldha upcm jcr
jdmim`dil prcth`tdcm !gh purpcsh cj tgds piphr ds tc hau`ith ycu cm adsiodldty dmsurim`h sc tgit
ycu biy lhirm gc" tc hviluith adjjhrhmt pcld`dhs ima cotidm tgh `cvhrieh ycu truly ahsdrh tc
givh #t gis ohhm biah `cm`dsh oy ahsdem, out ds ilsc vhry tgcrcueg, dm crahr tc bhht ycur
dmjcrbitdcmil mhhas "gdlh $hhpdme ycur tdbh `cmstridmts dm bdma
@cbpimdhs
!ghrh irh bimy `cbpimdhs dm tgh %& tgit prcvdah adsiodldty dmsurim`h &cbh cj tghb `rhith
pcld`dhs tc iaarhss tgh mhhas cj oluh `cllir "cr$hrs Ctghrs oudla pcld`dhs "dtg umdmsuriolh cr
lhss ghiltgy `ldhmts dm bdma !ghrh irh ilsc i jh" tgit givh purpcsha tc prhshmt pcld`dhs tc tgh
puold` "gd`g irh sph`djd`illy jdttha jcr bhhtdme tgh mhhas cj pgysd`dims #t ds ilsc dbpcrtimt tc
$mc" tgit scbh `cbpimdhs sdbply ac mct sph`dild'h dm pgysd`dim adsiodldty dmsurim`h %mld$h
bimy ctghr `cbbcadtd'ha prcau`ts dm cur sc`dhty, adsiodldty dmsurim`h gdmehs cm tgh `cbpimdhs
ima tghdr `cmtri`ts ima bust oh h(ibdmha `lcshly cm bcrh tgim )ust prd`h !gh `crrh`t `cbpimy
"dll mct cmly oh dm ousdmhss lcme hmcueg tc prcth`t ycu jcr ycur hmtdrh `irhhr out "dll ilsc givh i
`cmtri`t tgit ahjdmhs adsiodldty dm tgh "iy tgit pgysd`dims mhha* c"m+c``upitdcm
Cwm-C``upitdcm
!gh ohst "iy tc umahrstima c"m+c``upitdcm adsiodldty dmsurim`h ds
tc umahrstima dts cppcsdth `cvhrieh* imy+c``upitdcm Imy+
c``upitdcm pcld`dhs "dll rhau`h cr stcp ycur ohmhjdt piybhmts dj,
ijthr tgh adsioldme hvhmt, ycu irh iolh tc "cr$ dm imy c``upitdcm
!gds bhims tgit dj ycu irh "cr$dme is i pgysd`dim ima bi$dme
?-;,;;;.yhir, ycu biy mct rh`hdvh imy cj ycur adsiodldty ohmhjdt dj
ycu irh adsiolha out stdll iolh tc bi$h 0;,;;;.yhir dm scbh ctghr
c``upitdcm
/y `cmtrist, c"m+c``upitdcm pcld`dhs "dll piy tgh jull ohmhjdt tc i pgysd`dim dj gh cr sgh ds umiolh
tc phrjcrb tgh autdhs.prc`haurhs cj gds cr ghr sph`dilty, hvhm dj tghy irh eidmjully hbplcyha dm
imctghr c``upitdcm !gds dm`luahs pgysd`dims "gc irh adsiolha ima prh`luaha jrcb phrjcrbdme
ill cj tghdr autdhs.prc`haurhs out `im stdll shrvh is i pgysd`dim Cmh h(ibplh cj tgds "cula oh dj
im dmthrvhmtdcmil riadclcedst "is adsiolha ima umiolh tc phrjcrb prc`haurhs #m im imy+
c``upitdcm pcld`y, gh cr sgh "cula rh`hdvh i rhau`ha ohmhjdt cr jcrjhdt tghdr ohmhjdt iltcehtghr dj
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tghy `cmtdmuha pri`td`dme is i mcm+dmthrvhmtdcmil riadclcedst #m im c"m+c``upitdcm pcld`y, tgit
sibh riadclcedst "cula rh`hdvh tgh jull ohmhjdt rheiralhss cj gds cr ghr pcst+adsiodldty c``upitdcm
cr dm`cbh !gds bhims tgit c"m+c``upitdcm pcld`dhs prcth`t tgh autdhs ima prc`haurhs tgit ycu
givh ohhm tridmha jcr ima tgh dm`cbh ycu givh hirmha
Hldbdmitdcm [hrdca
Ill lcme+thrb adsiodldty pcld`dhs givh im hldbdmitdcm cr "idtdme phrdca tc rh`hdvh tgh ohmhjdt
!gh bcst `cbbcm hldbdmitdcm phrdca ds ; aiys !gds bhims tgit ycu bust oh adsiolha
i``cradme tc tgh ahjdmdtdcm cj tgh pcld`y jcr ; aiys ohjcrh tgh pcld`y "dll ohedm piydme ycu tgh
ohmhjdt #j ycu `gccsh i sgcrthr hldbdmitdcm phrdca, dt "dll dm`rhish tgh `cst cj tgh pcld`y
#mvhrshly, dj ycu dm`rhish tgh lhmetg cj tgh hldbdmitdcm phrdca dt "dll ah`rhish tgh `cst cj tgh
pcld`y Cmh ji`tcr tc `cmsdahr dm `gccsdme tgh hldbdmitdcm phrdca ds gc" lcme ycu `im `cvhr ycur
h(phmshs jrcb sgcrt+thrb sivdmes
Bixdbub hmhjdt [hrdca
cst adsiodldty dmsurim`h pcld`dhs givh i bi(dbub ohmhjdt phrdca "gd g bust oh hstioldsgha
"ghm tgh pcld`y ds pur`gisha ima ds bhisurha dm yhirs cr i `hrtidm ittidmha ieh cu `im `gccsh
ohmhjdt phrdcas jrcb ? tc 9; yhirs cr sht tgh ohmhjdt phrdca tc h(pdrh it ieh -, 1, cr 1; Lcmehr
ohmhjdt phrdcas 8cr pcthmtdil ohmhjdt phrdcas: irh bcrh h(phmsdvh sdm`h tgh dmsurim`h `cbpimy
gis i erhithr pcthmtdil ldiodldty cst pcld`dhs irh sht up "dtg i bi(dbub ohmhjdt phrdca cj ieh
- sc tgit tgh `hssitdcm cj adsiodldty dmsurim`h dm`cbh hmas ircuma tgh tdbh tgit ctghr prceribs
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dm`rhish issdstim`h tc tgh adsiolha ima rhtdrha 5gdlh scbh jhhl tgit tghsh ohmhjdt phrdcas biy oh
tcc lcme edvhm tgit bcst i``dahmts irh rh`cvhriolh "dtgdm i sgcrthr ibcumt cj tdbh, dt ds
dbpcrtimt tc mcth tgit ;7 cj adsiodldtdhs irh `iusha oy im dllmhsshs ritghr tgim oy i``dahmt 9
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!dahrs
&c jir, "h givh ads`ussha tgh oisd` prcvdsdcms tgit irh dm`luaha
dm bcst adsiodldty dmsurim`h cmtri`ts ima tghdr oish prd`h 4c"
"h "dll lcc$ it tgh cptdcmil ohmhjdts tgit ycu biy cr biy mct
`gccsh tc iaa tc ycur pcld`y !ghsh cptdcmil ohmhjdts irh illha
>rdahrs6 sdm`h tghy irh iaaha tc tgh oish pcld`y ima >rdah6 ilcme
"dtg tgh pcld`y &cbh irh vhry ghlpjul ima gdegly
rh`cbbhmaha jcr pgysd`dims Ctghrs irh tcc h(phmsdvh jcr tgh
ohmhjdt tghy iaa ima sgcula bcst ld$hly oh ivcdaha oy pgysd`dims
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cm ycur dm`rhisha dm`cbh, "dtgcut ecdme tgrcueg imy bhad`il umahr"rdtdme #t oisd`illy
euirimthhs ycu tgh rdegt tc dm`rhish ycur `cvhrieh rheiralhss cj "git gipphms tc ycur ghiltg
cvhr tdbh Cmh tgdme tc rhbhbohr ds tgit dm bcst `ishs ycu `im cmly dm`rhish ycur pcld`y
tgrcueg cmh cj tghsh rdahrs umtdl ieh -- hvhm tgcueg ycur pcld`y biy list ohycma tgit ieh
@itistrcpgd` Adsiodldty !dahr
Cmh cj tgh lhss jrh3uhmtly usha rdahrs tgit ds dbpcrtimt jcr pgysd`dims tc givh ds tgh `itistrcpgd`
adsiodldty rdahr !gds rdahr prcvdahs iaadtdcmil ohmhjdt tc ycur oish ohmhjdt sgcula ycu oh`cbh
`itistrcpgd`illy adsiolha !gh ahjdmdtdcm cj i `itistrcpgd` adsiodldty ds tgh dmiodldty tc phrjcrb
t"c cr bcrh cj tgh I`tdvdtdhs cj Aidly Ldvdme 8IALs: #j ycu irh adsiolha tc tgds h(thmt, ycur
dm`rhisha `cst cj ldvdme, bidmly iaaha ghiltg`irh h(phmshs, biy ush i lireh pcrtdcm cr ill cj ycur
oish ohmhjdt, lhivdme ycu "dtg vhry ldttlh cr mctgdme tc ldvh cjj cj
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9 Kcrtiodldty cst ercup adsiodldty dmsurim`h ds mct pcrtiolh !gds bhims tgit dj ycu
`gimeh hbplcyhrs, tgh pcld`y "dll mct ec "dtg ycu "gd`g `cula lhivh ycu "dtgcut
`cvhrieh dj ycur ghiltg gis `gimeha ima ycur juturh hbplcyhr achs mct cjjhr `cvhrieh
?. !i(iodldty #j ycur ercup `cvhrieh ds hbplcyhr
pida, dt "dll prcvdah ycu "dtg i ti(iolh ohmhjdt !gdsbhims tgit dj ycur ercup plim ds `cvhrdme ycu jcr
;7 cj ycur siliry, ycu "dll givh tc piy ti(hs cm
tgit ohmhjdt cm`h adsiolha "gd`g "dll lhivh ycu "dtg
ipprc(dbithly ;7 cj ;7 cj ycur crdedmil siliry
cr ircuma 07 cst pgysd`dims ac mct rhild'h tgds
umtdl tghy irh adsiolha ima irh jcr`ha tc ldvh cjj cj
ipprc(dbithly O;7 lhss ijthr ti(hs tgim ohjcrh ima
givh tc bi$h bi)cr ldjh `gimehs
0 Adsiodldty Ahjdmdtdcm cst ercup `cvhrieh achs mct prcvdah truh, c"m c``upitdcmprcth`tdcm !gds bhims tgit dj ycu irh rhlydme cmly cm ycur ercup `cvhrieh, ycu biy jdma
tgit ycu "dll rh`hdvh i sdemdjd`imtly rhau`ha ohmhjdt cr mc ohmhjdt it ill dj ycu irh stdll iolh
tc "cr$ dm imy c``upitdcm
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gc tc (rust jcr )hlp
cst pgysd`dims sgcula hbplcy tgh shrvd`hs cj i jdmim`dil prcjhssdcmil tc issdst dm tghdr
i`3udsdtdcm cj adsiodldty dmsurim`h !ghsh imilysds shrvd`hs irh ehmhrilly jrhh ima vhry ghlpjul
2c"hvhr, dt ds dbpcrtimt tc ush dmahphmahmt, umodisha iavdscrs ima mct sdmelh+`cbpimy
dmsurim`h silhsbhm Kgysd`dims typd`illy sgcula mct ouy i adsiodldty dmsurim`h pcld y sclhly
oisha cm tgh rh`cbbhmaitdcm cj imycmh "gc cmly `im rhprhshmts cmh `cbpimy is tghy irh
odisha ima irh mct lcc$dme it ctghr cptdcms "gd`g biy i`tuilly oh ohtthr jcr ycu ima ycur umd3uh
ldjh `dr`ubstim`hs #mahphmahmt iavdscrs `im sgcrthm ycur rhshir`g tdbh oy prcvdadme im
umodisha imilysds cj ycur ohst cptdcms tgit ds jc`usha cm jdttdme tgh ohst `cbpimy ima pcld`y tc
ycur sph`djd` sdtuitdcm
*ubbiry
Adsiodldty #msurim`h ds cmh cj tgh bcst dbpcrtimt jdmim`dil
prcth`tdcms jcr pgysd`dims tc givh sdm`h dm bcst `ishs dt prcth`ts
tgh lirehst issht tghy c"m* tghdr juturh dm`cbh Ilsc, sdm`h 007
cj ill phcplh oht"hhm tgh iehs cj 0; ima O "dll oh`cbh adsiolha
scbhtdbh dm tghdr ldvhs0, dt ds cmh cj tgh bcrh ld$hly utdld'ha
dmsurim`h `cvhriehs ycu `im c"m Hmc"dme "gd`g `cbpimdhs
prcvdah truh, c"m+c``upitdcm `cmtri`ts ds tgh pli`h tc stirt