How to apply for Disability Insurance
From start to finish, M.D. Disability Quotes walks you through the process of applying for physician disability insurance and takes the uncertainty and concern out of finding the coverage that’s right for you. Here’s how:Submit your information in the Get a Quote section or contact our office via email or phone. We’ll work directly with […]
How much Life Insurance do you need?
here are many variables to consider when determining the amount of life insurance you may need but a general rule of thumb is an amount 10 to 15 times your gross income. However, we understand that each household has a different set of goals and dependents so this amount can vary. Click below for an […]
Do I Need Life Insurance?
If someone depends on you financially, you are most likely someone who needs life insurance. Life insurance provides cash to your family or loved ones after your death. This cash, known as the death benefit, replaces your income and the many non-paid ways to support your household. Your family can use this cash to […]
What is life insurance?
Life Insurance is a way to transfer risk away from your family or dependents you are responsible for, by providing them with cash payment called a death benefit. The goal is to leave enough cash behind to pay for expenses that your income would otherwise cover.
What other products and services does M.D. Disability Quotes Offer?
We work in all areas of: Disability insurance Business-overhead insurance Life insurance Long-term-care insurance If you have further questions, call or e-mail us today.
Can I qualify for coverage based on a less-than-perfect medical history?
The answer depends on both your medical history and your present health status. At M.D. Disability Quotes, our long-term experience in guiding our physician clients with health issues is where we create value for you. Providing us with a brief but complete description of the issue, including treatments, m
How long does it take to get a quote and then a policy if I want to move forward?
M.D. Disability Quotes provides quotes in 24 hours or less. Once you’re ready to apply for disability coverage, it typically takes between three to eight weeks for a policy to be received and implemented. The sooner a Paramed Exam is taken, an Attending Physician Statement is secured and income verification documents are provided, the more […]
When is the best time to purchase a personal disability contract?
Contracts are age, gender, medical specialty, state-of-residency, and state-of-health specific, so the longer you wait, the more expensive
How much does disability insurance cost?
The cost is dependent on age, gender, medical specialty, state of residency, place of employment and medical history. Give us a call or e-mail us for a custom disability insurance quote.
How much disability insurance coverage do I need?
Many representatives or agents will tell you to buy all you can afford. That answer is typically a commission-driven recommendation. We recommend that you buy the amount of coverage you need to take care of your household living expenses with a future purchase option to increase your contract if and when you financial needs change.
What is Own-Specialty coverage
Our Own Specialty is the strongest definition for coverage in the marketplace. It’s the best coverage to protect you and prevent insurance companies from denying your claim. Own Specialty supersedes Own Occupation coverage in that it simply states that if you cannot do your medical sub-specialty then you get paid full benefits regardless of future […]
You! Disabled? What are your chances?
The probability of a white-collar worker becoming disabled for 90 days or longer between the ages of 35 and 65 is 27 percent for men and 34 percent for women. A 35 year old, white collar male who suffers a disability lasting 90 days or longer will be out of work for an average of […]
