Good disability coverage could be the difference between financial security for life, and being broke and bound to a wheelchair.
There are between 70 and 75 disability insurance companies to choose from in the USA. Most of them weasel their way out of paying you, with a team of lawyers (and ill-defined policies).
And if you’re a woman, it gets worse: most companies charge you higher premiums just because of your gender. And some of them offer “gender neutral rates”, which is often a way of tricking you into a bad policy.
In short, disability insurance is a minefield.
That’s why we’ve made it easy for you. In this episode, we’ve narrowed down your options to just 4 reputable companies who’ll support your lifestyle (even if you become unable to work).
Listen now and take care of your insurance worries for good.
Why choosing an independent broker helps you get the best rates on your disability insurance (and avoid institutions who are just in it for the money) (1:57)
How to simplify your disability insurance choices by narrowing the 70+ companies down to just 4 (2:26)
How to lock in your trainee discount (without paying high premiums) (2:47)
The “elimination period” hack that well-prepared medical practitioners use to lower their insurance premiums (3:35)
How to claim a full disability payout (even if you are still able to work as a doctor) (4:18)
The “double-dipping” loophole that allows you to profit up to $3,000 from minor injuries (even if you’re still able to work) (10:54)
Why choosing the “COLA rider” option secures your lifestyle after disability (even as inflation continues to rise) (12:21)
Why females pay more than males for the same disability coverage (and how to get that rate down) (13:23)
How busy trainees can avoid time-wasting medical screenings with the “streamline” approach (15:53)