The more skills, experience, and reputation you build as a professional, the greater the impact can be if a disability suddenly prevents you from practicing your profession. You have obligations to meet. People are depending on you. An entire business may be riding on your shoulders. Your disability insurance should provide critical resources to cover your expenses while you are unable to work. But insurance companies can make it notoriously difficult to recover the benefits that should be provided under the terms of your policy. They may insist—wrongly but vehemently–that you are still able to perform critical job tasks and […]

When you own a business, your situation is like climbing to the top of a mountain. You’ve surmounted untold obstacles and reached a pinnacle of achievement. But if something goes wrong, you can fall a long, long way down. If you get injured or sick and you’re unable to practice your profession and run your business, you need to worry not only about the loss of income for your household but also the inability to pay the ongoing expenses of your business. Many professionals who own a practice purchase private disability insurance to provide income for support in this situation. […]