Disability Among Medical Students Up To 9 Times Higher Than Previously Believed – And What It Means To Employers

Posted on: March 13, 2017 by Chuck Krugh, CFP

Recent research from the Journal of the American Medical Association (JAMA) indicates that there are far more people making it through medical school with disabilities than we imagined. Indeed, the number of students with disabilities of various sorts going through medical school may be as much as nine times what we believed previously. Researchers polled […]

Posted in: disability claims Financial Planning Medical News Medical Residents Practice Management

Why is Disability Insurance More Expensive for Women?

Posted on: November 9, 2016 by Chuck Krugh, CFP

Occasionally we have clients compare rates for similar individual disability insurance policies for men and women. “Why are rates higher for women,” they ask. The answer: Because it’s worth it! Here’s why: When insurance companies set rates, they base them on their claims experience for similar policy holders in the past. Insurance actuaries are some […]

Posted in: disability claims Disability Insurance Doctor disability insurance Medical Residents physicians disability insurance

Why People In Their 20s and 30s Need Disability Insurance

Posted on: August 23, 2016 by Chuck Krugh, CFP

As a young and healthy person, it’s easy to think of wheelchairs, canes and handicap placards as an issue for older Americans. But that’s just not true. Aside from the risk of accidents and injuries, there are also a number of severe, debilitating and potentially career-ending diseases strike young people even in their 20s and […]

Posted in: disability claims Disability Insurance Doctor disability insurance Medical Residents physicians disability insurance

Your Association Disability Plan May Offset Your Group Benefits

Posted on: May 20, 2016 by Chuck Krugh, CFP

From: diattorney.com In the case of Fleisher v. The Standard Insurance Company filed in New Jersey Federal Court, the court recently rendered a decision which can have a negative impact for numerous physicians and other business professional that have Group Association Policies and also have an ERISA governed group policy from their employer. Numerous medical, […]

Posted in: Association Disability Insurance disability claims Group Disability Insurance

Study: Long Work Hours Triple Women’s Risk Of Life Threatening Chronic Illnesses

Posted on: January 24, 2016 by Chuck Krugh, CFP

Those of you in or recently out of residency will relate to this one: Long work hours over three decades or more significantly increase the incidence of severe, life threatening chronic diseases among women. That’s according to a recent study by Xiaoxi Yao, Ph.D., with the Center for the Science of Health Care Delivery at […]

Posted in: disability claims Disability Insurance Doctor disability insurance healthcare Medical News Practice Management stress management Uncategorized

Young Doctor Stricken With Brain Tumor – 1 Year Out of Residency

Posted on: July 18, 2014 by Chuck Krugh, CFP

Most people who get as far as receiving a quote from a disability insurance site see the price of the policy. But it’s important to understand the value of a disability insurance policy as well. The fact is that one in four of you reading this will struggle with a disability disrupting your ability to […]

Posted in: disability claims

Me? Disabled? What Are the Odds?

Posted on: May 28, 2014 by Chuck Krugh, CFP

Pretty substantial, all things considered. Among white-collar professionals, doctors are significantly more likely to become disabled than our counterparts in law, accounting, business management and administration. The odds having at least one long-term disability that lasts three months or longer by the time you’re 65 varies with your current age: What’s more, according to the […]

Posted in: disability claims Physician Money Management

Misguided Missiles: Sleep-Deprived Medical Residents and Motor Vehicle Accidents

Posted on: January 29, 2014 by Chuck Krugh, CFP

Consider this: A pregnant resident and member of The Committee of Interns and Residents (CIR/SEIU), a multi-state union, tells a story of working a long shift in the intensive care unit at a hospital. One day, after clocking in at 7:15 am, she worked for 30 straight hours because there were a lot of sick […]

Posted in: disability claims Disability Insurance Medical Residents

Biggest Mistakes Physicians Make When Filing Disability Claims – Part II

Posted on: April 17, 2013 by Chuck Krugh, CFP

In Part I of Biggest Mistakes Physicians Make When Filing Disability Claims, we suggested that the biggest mistake a physician can make is to purchase an inadequate disability policy. But, assuming they work with a disability insurance specialist who understands the unique needs of medical professionals, they will avoid that mistake. Purchasing the proper disability […]

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Biggest Mistakes Physicians Make Filing Disability Claims – Part I

Posted on: April 9, 2013 by Chuck Krugh, CFP

If you’ve been following the guidance offered in this blog, you have avoided the mistakes many physicians make in selecting the right type of disability policy; and you can be assured of having the maximum coverage provided by a specialized disability carrier. Job well done.  But, your job isn’t really done. You now need to […]

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