Author Archives: Billy Gwaltney

It might feel like a waste of money getting coverage if you don’t perform extensive surgeries or exhaust your body every day. But a policy is about much more than preventing injuries….

The perfect policy will take care of your income when you’re sick or injured. Those things happen all the time and you need time to recover (without stressing about your next check). Cover will make sure your income recovers (even after you do).

In this episode, you’ll learn why everyone outside the operating room needs specialty coverage – and how to protect your money and preserve your career from unlikely accidents.

Highlights from this episode include:

Why car accidents and hand injuries are not the biggest threat to your medical career today (even if you work in a high-paced environment). (0:44)

How to collect a streamline of disability benefits and make as much money as you want at home after being injured. (1:59)

Why group disability plans won’t always cover your injuries (even if you’ve got a valid reason).  (3:54)

How to tell if a policy will protect your finances (or leave you ‘high and dry’ in stressful circumstances). (5:38)

To ask questions on insurance coverage or to get a quote, please don’t hesitate to call us anytime at 704-270-2376, and I’d be glad to discuss your specific situation with you.

If you enjoyed and valued this content, you might also want to check out Episode 58 – Billy’s initial conversation with a Non-Surgeon Trainee. This episode is available on this site’s podcast channel (Click HERE) or on Spotify or Apple Podcasts.

You might think you’re medically ‘uninsurable’ based on something that’s happened in the past…but conversations about coverage don’t end with a ‘yes’ or ‘no’ answer.

And by asking the right questions and knowing what options are available, you can explore the alternatives and find a powerful plan that protects your career (even if it’s not the one you wanted).

Remember: Everything is temporary.

In this episode, you’ll discover how to find the best coverage if you think you’re uninsurable and why asking the right questions offers your career more benefits and protection than you think.

Highlights from this episode include:

How to ask the right questions if you think you’re uninsurable. (0:28)

The ‘silver lining’ in turning your insurance rejection into future coverage. (1:50)

Why “settling” for a smaller carrier offers a better policy than a big-name company. (2:30)

How to avoid the pitfalls of self-insurance and find a policy that preserves your career (and protects every move). (3:38)

To ask questions on insurance coverage or to get a quote, please don’t hesitate to call us anytime at 704-270-2376, and I’d be glad to discuss your specific situation with you.

If you can’t land the best contract available or get the disability benefits you want, it might feel like it’s not worth paying for. But as strange as it may seem, policies with exclusions are better than no policy at all.

You might have a less-than-perfect offer right now, but find ways to improve your policy in the future. As the famous saying goes: Don’t miss the forest through the trees.

In this episode, you’ll discover what to do when your options in disability coverage are limited – and why getting a plan in place is more important than getting the plan you want.

Highlights from this episode include:

How to weaponize your rocky medical history and find the coverage that best defends your health. (0:40)

What the “as of now” phrase means for the policy you were offered today, and how to get exclusions removed or riders included in the near future. (2:41)

Why self-insuring quickly drains your finances and how to pick a policy worth every penny (even if it’s limited). (5:50)

The ‘bad news, good news, and better news’ about the disability coverage you select (and how to not let faulty assumptions pick the wrong plan). (8:08)

To ask questions on insurance coverage or to get a quote, please don’t hesitate to call us anytime at 704-270-2376, and I’d be glad to discuss your specific situation with you.

If you enjoyed and valued this content, you might also want to check out How long does the medical screening take? This episode is available on this site’s podcast channel (Click HERE) or on Spotify or Apple Podcasts.

When looking into insurance rates, you might notice that the cost of a disability plan for females is significantly higher. But you don’t want to settle on a plan that doesn’t protect and preserve your career (just to save yourself from paying premium rates).  So what’s the reason for the extra expense? And should you pick a plan based on price? In this episode, you’ll discover how to find the maximum discounts as a female physician in the market and why your premium prices end up paying for themselves down the road.  Highlights from this episode include:

Why disability rates for females are significantly higher and how to find the best discounts in the market (without signing off on a bad plan). (0:40)

How the Disability Council statistics set your prices and why it is essential for female physicians to have a strong plan right now. (2:20)

The real reason you should pay more money for a disability plan right now (and how life insurance helps you cover the costs later on). (3:49)

What paying premium rates mean for buying a house, where your kids go to school, and how to plan for retirement. (5:20)

To ask questions on insurance coverage or to get a quote, please don’t hesitate to call us anytime at 704-270-2376, and I’d be glad to discuss your specific situation with you.

Nobody wants to plan for the worst, but when it comes to an unexpected disability on the job, you don’t want to be digging in your savings account just to cover the rent. With the right coverage, finances are immune to expenses and you can focus on your recovery (without worrying about missing work).  In this episode, you’ll learn how Principal disability insurance preserves your career today while protecting your wallet from the unexpected tomorrow.

How Principal disability insurance immediately saves you from massive penalty fees and lost income during a disability leave (0:58)

Why you should frequently update your disability insurance and how this affects your income right now. (2:15)

The discounts you need for psychiatric benefits and how to get support in your career for a lifetime. (6:03)

The real reason cancer or a stroke messes with your disability coverage – and how to protect your bank account from catastrophic expenses today. (8:39)

To ask questions on insurance coverage or to get a quote, please don’t hesitate to call us anytime at 704-270-2376, and I’d be glad to discuss your specific situation with you.

It’s hard to find the perfect policy for your unique situation. And with disability insurance, mistakes are costly – you can’t afford to find out about your contract’s details when you’re already disabled and can’t perform your job.  That’s why it’s important to make the right choice from the beginning. And that starts with choosing a provider you can trust. In this episode, I introduce you to Guardian, an insurance provider I believe to be trustworthy for multiple reasons.  

Whether you’ve heard or Guardian or not, you’ll find out all about their policies in this episode so that you can make an informed decision.  Want to protect your and your family’s lifestyle no matter what happens to you? Listen now! Show highlights include: 

The definition of disability you should look for in your insurance contract (this ensures you get coverage custom-tailored for physicians). (1:22) 

How the “future insurability option” lets you receive up to $30,000 per month while you’re disabled. (1:58) 

Why a Guardian contract ensures you even when you’ve only lost part of your income. (2:52) 

The best contract for physicians who struggle with depression, anxiety and addiction. (3:35) 

How to increase your insurance benefit when the cost of living goes up. (4:44) 

To ask questions on insurance coverage or to get a quote, please don’t hesitate to call us anytime at 704-270-2376, and I’d be glad to discuss your specific situation with you.

In various stages of your career, disability insurance could cost more or less. Preserving and protecting income starts with locking in the best rates price possible for you and your family. Save yourself the guesswork and know exactly how what top plans in the industry do to slash expenses and support the life you deserve during an emergency.  In this episode, you’ll discover learn about one of the best individual disability insurance companies, Ameritas, and how if their plans support your lifestyle for the long haul. or leave you waiting for your next paycheck.  Highlights from this episode include: 

How physicians end up losing thousands of dollars each year and what coverage supports your life of unlimited income instantly. (2:50) 

The real reason disability checks take months to receive and how to get paid overnight instead (even if you’re still working). (4:30) 

What your next hiking trip or workout routine says about disability rates – and how Ameritas can make you money off the clock instantly. (6:38) 

Premium discounts worth the risk and how they can stockpile your savings instantly. (9:27) 

To ask questions on insurance coverage or to get a quote, please don’t hesitate to call us anytime at 704-270-2376, and I’d be glad to discuss your specific situation with you.

Disability coverage plans can feel like a mystery if you don’t know how to read between the fine lines of your contract. And you shouldn’t be having to figure it all out during recovery while trying to recover and get back to work. 

Understanding your plan before an accident is essential for an effortless claims process (so you won’t be sitting around wondering when or if you’ll get a paycheck). In this episode, Billy joins Ameritas expert Dennis Peyton to discuss how to get the most out of your disability coverage and what contracts protect your career and financials the most (so you can have a speedy, stress-free recovery). Highlights from this episode include: 

• Reasons why a payment is prevented after filing for disability and how to get a claims paycheck deposited in your bank account within days. 
• (0:40) Why individual plans preserve your finances instantly and how group rates end up costing you 3x as much down the road. 
• (4:14) How to Read between the ‘fine lines’ of exclusions in your disability plan and why this changes depending on what company you sign with. 
• (12:12) The surprising truth about switching occupations during a disability leave, and what this means for the money you claim today. 
• (17:00) To ask questions on insurance coverage or to get a quote, please don’t hesitate to call us anytime at 704-270-2376, and I’d be glad to discuss your specific situation with you.

If you enjoyed and valued this content, you might also want to check out Episode 60 – What if I do lots of Procedures & lots of Clinic. This episode is available on this site’s podcast channel (Click HERE) or on Spotify or Apple Podcasts. 

And/or Is Disability Insurance Really Worth It? With Dr. Naguib Farah. This episode is available on this site’s podcast channel (Click HERE) or on Spotify or Apple Podcasts.

When looking at disability coverage plans, finding one that protects the career you love most and the money you’ve worked so hard for is crucial. And it’s easy to get lost in the lingo of the insurance world between policy definitions and what fits your particular situation. In many cases, physicians even end up going back to clinical and doing things they don’t like because of ‘hidden definitions’ in their contracts.

What’s the point of moving back to administrative duties when you’ve worked so hard to get where you are in your career? In this episode, Billy is joined by Ameritas claims expert Dennis Peyton who digs deep into the definitions of your disability coverage and what policies protect and preserve the lifestyle you want. Highlights from this episode include: Understanding the difference between group and individual policies – and what these definitions mean for coverage that protects you for a lifetime. How a policy prevents you from returning to work and the crucial steps for preserving your career today.

(9:30) How to immediately secure a disability claims paycheck while you recover.

(19:50) What policies instantly put more money in your pocket and cover medical deductible from an injury (even if you have health insurance).

(25:46) To ask questions on insurance coverage or to get a quote, please don’t hesitate to call us anytime at 704-270-2376, and I’d be glad to discuss your specific situation with you.

If you enjoyed and valued this content, you might also want to check out Episode 60 – What if I do lots of Procedures & lots of Clinic. This episode is available on this site’s podcast channel (Click HERE) or on Spotify or Apple Podcasts. 

And/or Is Disability Insurance Really Worth It? With Dr. Naguib Farah. This episode is available on this site’s podcast channel (Click HERE) or on Spotify or Apple Podcasts.

The only thing more difficult than deciding to get a disability insurance policy is deciding which one to buy. Which benefits will you actually need? How much will that cost you? It’s a lot for one person to think about… 

But life insurance should alleviate stress, not cause it. With a little insight into one of the top disability contracts out there, you can find a plan that works with your career and budget. So if something happens on the job, you’re covered. 

In this episode, Billy discusses what Mass Mutual disability coverage offers and if their plans support your career or just add to the expense. 

Highlights from this episode include:

• How Mass Mutual disability coverage saves you thousands of dollars and protects your career (even if you get a temporary job).  (1:17)
• Finding a partial disability plan that protects your bank account during recovery instead of stealing from it. (3:40)
• How to avoid paying inflation rates in a total disability plan (even after a decade). (5:22)
• How Mass Mutual’s student and service member policies offer premium rates that compliment your lifestyle today. (6:50)

To ask questions on insurance coverage or to get a quote, please don’t hesitate to call us anytime at 704-270-2376, and I’d be glad to discuss your specific situation with you.