What happens to my Disability Insurance if I recover and return to work?

An important question to consider is, “What happens to my disability insurance if I medically recover from a disability but my income does not ‘recover’?” According to the Council for Disability Awareness, the average length of disability for professionals is 82 months. Once someone is no longer medically disabled, most group and even individual disability policies stop paying benefits right away or shortly thereafter. The problem with this is a person’s income often does not return to its pre-disability level. In some cases it may never return. This is why it’s vital to have…

How Do I Know If My Policy Really Contains The True Specialty Definition of Disability?

An important question to answer with certainty is, “How do I know if my policy, in fact, has the true specialty definition of disability. There’s a lot of confusion surrounding this issue. The true specialty definition of disability contains two components. First, you’re considered to be disabled if due to illness or injury you’re unable to perform the material and substantial duties of your occupation at time of claim. If you’re a physician or dentist, your occupation can mean a specific, professionally recognized specialty or subspecialty. AND second, you can earn any amount…

Billy has been great to work with over the past 5 years for disability and life insurance. Very honest, responsive and knowledgeable about insurance. He always takes his time to answer all my questions thoroughly in a way that I can understand. His schedule is flexible and he always makes time to talk with me. This is important because of me being on the west coast and the time difference. I highly recommend his services regardless of your location.

-Dr. Bromm, Pediatrician

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