How long could you last without a paycheck?

Have you ever wondered how long you could survive without a paycheck? According to the Counsel for Disability Awareness, more than 1 in 4 20 year olds will be disabled for at least 90 days during their career, which will have a serious effect on their paycheck 1 in 8workers will be disabled for five years or more during their working careers. A typical female, age 35, with a professional occupation, average height (5’4”) and weight (125lbs), non-smoker, and who leads a healthy lifestyle – has a 24% chance of becoming disabled for…

Should I work with a disability specialist even if I already have a financial advisor?

You might be thinking, “Is it important to work with a disability insurance specialist even if I already have a financial advisor?” The answer to this is absolutely, yes. A really good disability insurance specialist takes the complex, quirky, and some might even say weird, concept of own occupation disability insurance, and makes it easy. There are multiple components, definitions and terms that make up quality disability coverage. If any of these are missing, you could easily regret it at claim time. Of course by then it’s too late to close any gaps….

Billy Gwaltney was recommended to me by a friend, and time and again, I am very glad I received that recommendation. Billy has impeccable knowledge about physician disability insurance plans, and he helps you to navigate through the information with great skill. Billy is highly accessible, and he is incredibly responsive to any requests. I really cannot imagine working with anyone else for my life or disability insurance needs. I cannot endorse him highly enough!

-Dr. Wesley, Infectious Diseases Physician

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