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

    9 ?;90 Cm@ill Iavdscrs, LL@

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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

    ? ?;90 Cm@ill Iavdscrs, LL@

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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

    1 ?;90 Cm@ill Iavdscrs, LL@

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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