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….

I purchased disability insurance through Billy Gwaltney in my last year of residency after being referred to him from more senior physicians. Billy was very thorough and discussed all of the options. I went ahead and signed up for disability insurance simply as another thing to get done at the end of residency, never imagining that the details of the policy or the quality of the company would be important. Unfortunately, about a year and a half after residency I received a devastating and unexpected diagnosis and immediately needed to stop working and pursue treatment. Billy was tremendously helpful in explaining the policy and the process of making a claim. The policy turned out to be everything that I needed and the company was easy to work with. There were several crucial riders to the policy that ended up being almost as important as the policy itself which I would never have known to choose but thankfully Billy did. I am now working my way back to full time and Billy continues to help me and is always available to answer any questions. Having this disability policy has relieved a huge source of stress at a very difficult time and I am so thankful to Billy for having the foresight to recommend the company and policy that he did.

-Dr. Kelly, Trauma Physician

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