It is a well-known fact that insurance coverage provides a benefit in case of an adverse event that would affect you and your family. We protect our homes with insurance policies, our possessions with supplemental policies and riders to home and renters insurance, and our vehicles with insurance as well. We enhance our personal health with health insurance. Travel insurance can protect your financial investment in a vacation should plans change for unforeseen reasons. Life insurance provides funds to beneficiaries in the event of death, leaving financial security to those left behind.  While no one plans to have a serious […]

Just as in previous years, there seems to be an increase in COVID cases and hospitalizations as we end our summer. Predictions for the fall and winter seasons indicate we should expect another surge of COVID-19 cases in the United States. While we have learned much about COVID-19 treatments and prognosis, this disease remains a threat to our medical community and community at large. Despite having available prevention protocols and vaccines to halt the spread of COVID-19, we are still very vulnerable to this disease. Treatment for Covid has helped alleviate some symptoms, but there is still much to learn […]

For many, the beginning of summer brings to mind relaxation, time with friends and family, and holiday plans. Unfortunately for people who already suffer from or have an increased risk for cardiovascular disease, heart disease, heart attacks, and other disabling conditions, the summer heat poses additional risk for worsening the condition and potentially resulting in disability. That being the case, when disability keeps healthcare workers from engaging in their work in the medical field, they need to make a claim for disability insurance benefits. These benefits provide replacement income to offset lost wages due to a disabling condition, keeping the […]

Millions of Americans suffer from back pain every year. From short-term episodes to chronic suffering from back pain, this is an ongoing problem in terms of our population’s physical and economic health. The economic cost of lost wages and treating back pain and injuries is high. Those who suffer from disabling back pain experience the cost of treatment, lost income, and potential career loss. Short-term and long-term disability insurance benefits offer replacement income when medical professionals cannot continue working in their medical careers due to disabling back pain. That said, physicians who are suffering from a disabling back condition and […]

There are health awareness months for many diseases. From heart disease to cancer, disabling conditions receive recognition and campaigns for research and improved treatment options for patients. It is important to raise visibility and awareness of medical conditions, especially those that are not readily apparent. This includes mental health conditions. Mental health awareness is an ongoing campaign. Many people do not realize how many people around them suffer from a mental health condition and how those conditions impact their ability to perform even simple tasks of daily living despite the outward appearance of having it all together until one day […]

The research into Covid, lingering symptoms, and treatment protocols continue today. Though medical researchers have learned a lot about this disease that suddenly appeared and caused catastrophic levels of disability and death, there is still much to learn. A new study has focused on identifying symptoms and symptom clusters to ascertain long Covid in patients. By establishing more criteria for long Covid, medical researchers are able to further study the effects of the long Covid as well as develop treatments for Covid patients. This research gives hope for improving the care that those disabled by long Covid receive as well […]

Heart attacks are prevalent in our country. A quick search of the news will promptly yield many stories, articles, or video clips from around the country of people suffering from heart attack and heart disease, physicians developing treatment regimes their physicians institute for reducing the risk of initial or repeat heart attacks, or patients overcoming the odds to survive after their heart attack emergency. Whether these stories are meant to warn the rest of us to pay attention to our own health and monitor risk factors of heart attack or to encourage us that there is hope for recovery after […]

Long-term disability insurance benefits provide peace of mind by preparing for the event you are unable to keep working due to a disabling condition. Long-term disability insurance policies typically cover a period of time that extends from several months to years as long as the disabling condition exists and the qualifying policy definitions are met by the disabled insured.  Some disabled physicians are able to return to some form of medical practice after receiving extensive medical treatment for their disabling condition. However, recovery from a disabling condition does not protect you from never experiencing a setback or becoming disabled in […]

Disabling conditions present complexities to anyone suffering from a disabling illness or injury. From medical treatment and diagnosis to managing daily activities of living, disabling conditions bring many challenges. Add on to those challenges that disabling conditions often prevent working and earning income, those suffering from a disabling condition have a lot to overcome. Fortunately, disability insurance benefits can provide financial security to insureds who are unable to work due to disability. Doctors and other high-earning medical professionals need to protect their future by contracting for these benefits in advance and pursuing disability insurance benefits when illness or injury prevents […]

Long-term disability insurance is a financial protection against income loss if you become disabled and are unable to work. This investment in your future can provide peace of mind by providing replacement income when a disability prevents professionals from maintaining their careers and livelihood. In professional careers, such as doctors, the disability insurance coverage contracted for at the beginning of a medical career may no longer be adequate as a doctor’s career grows and develops. Fortunately, disability insurance companies offer a variety of policies and riders that can augment coverage to adjust to a doctor’s changing needs over a career. […]