Afferent recommends that all medical professionals take into account "the 3 C’s" when choosing a disability plan. These will help you determine the correct company and correct plan when purchasing.
Defined by top ratings agencies based on financial strength. The company’s financial wellbeing could speak to their ability to payout your plan should you have to file a claim.
“definition” unique for medical professionals (i.e., own-occupation disability insurance plan). As a medical professional, just being able to physically show up for work doesn’t mean you can’t be disabled. Anything affecting your dexterity could cost you your livelihood.
The overall value of the plan. Weighing the annual cost of the plan with the benefit it provides. A slightly cheaper premium for far inferior coverage could be something you regret should you become disabled. To get the best pricing, the earlier you purchase, the lower the cost of the plan throughout your career.
A group disability plan alone isn’t enough protection for medical professionals—maximize your protection!
limitations of group long-term disability coverage (GLTD) create a need to reduce the ‘gap’ between a medical professional’s income and the disability benefit available to them.
Unfortunately, many medical professionals may lack awareness that there even is a need for additional protection.
With 60% of physicians reporting that they know another medical professional who has suffered a disability, getting the right coverage is key.
Every medical professional’s circumstance is unique, so to find your best coverage and request a free quote, contact a licensed Afferent insurance specialist. Get started now or call 1.844.678.9APS (9277).
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