Set for Life

Helping people live their best life while preparing for the worst. Nationally recognized insurance brokerage. Life and #disabilityinsurance experts

[Set for Life @setforlifeins]

@mjmoussa_ @BCM_InternalMed @harrishealth @BCMDeptMedicine Amazing! Congratuations

[Set for Life @setforlifeins]

@hossamzki @BrownMedicine @DukeRadiology @DukeSurgRes Amazing!

[Set for Life @setforlifeins]

@AhmedAADiab @washumedicine Congratulations and best wishes for your next chapter!

[Set for Life @setforlifeins]

@WashUDeptMed @WashUMedIMRes Congratulations! What an amazing accomplishment.

[Set for Life @setforlifeins]

@gelarehzadeh @MayoClinicNeuro @MayoClinic Congratulations ladies!

[Set for Life @setforlifeins]

@PittNeurosurg Congratulations!

[Set for Life @setforlifeins]

@IUGastro @AzizullahBeran @ASGEendoscopy Congratulations!

[Set for Life @setforlifeins]

@traumamd1 @TTUHSCSurgery Congratulations!

[Set for Life @setforlifeins]

If you matched this spring and start residency on July 1 you have about 10 days before the GSI disability insurance window opens. If you are graduating, you have until Sept 30 to apply for GSI. Most residents don't realize this window also closes permanently the day training ends. I wrote about the three things every new resident needs to understand before July including a sequence error that can permanently forfeit your guaranteed issue access. #medtwitter #physician
#disabilityinsurance #GSI https://t.co/KIfjeRa3vL

[Set for Life @setforlifeins]

@kevinmd This is such an important subject that doesn't get the attention it needs. Physicians need to look for signs of burnout before it's too late

[Set for Life @setforlifeins]

@ALMannixMD 100%. Thoughtful beats fast every time.

[Set for Life @setforlifeins]

Your disability claim may depend on one document your doctor fills out.

Not your diagnosis.
Not your job title.

The Attending Physician Statement.

Most applicants assume disability decisions are made by reviewing their medical records.

But insurers often rely heavily on what your treating physician writes on that single form to determine whether benefits are approved or denied.

Here's the question most people never ask until it's too late:

Would your doctor know exactly how to document your work limitations for a disability claim?

Because vague or incomplete answers on that form can delay a claim or change the outcome entirely.

Have you ever looked at what an Attending Physician Statement actually asks your doctor to explain?

[Set for Life @setforlifeins]

A car accident leaves you unable to perform procedures.

Your practice is still open.
Your staff is still working.
Business income is still coming in.

Here is the question most physician practice owners never think about until it happens.

Does your disability policy still pay the full benefit?

Many physicians assume benefits only begin when personal income drops to zero.
Practice ownership changes that equation entirely.

Have you looked closely at how your policy treats practice revenue during a disability claim?

[Set for Life @setforlifeins]

@BernardBendokMD Congratulations!

[Set for Life @setforlifeins]

@EmoryCTSRes Congratulations! Wishing you all the best!

[Set for Life @setforlifeins]

@nalaa_11 @MontefiorePMR Congratulations! Wishing you all the best!

[Set for Life @setforlifeins]

@GSkandalakis @NeurosurgUTH Congratulations! Wishing you all the best!

[Set for Life @setforlifeins]

Physicians —

Most assume pregnancy complications automatically qualify for disability benefits.

That is not always true.

The difference between normal maternity leave and a medically disabling condition is exactly what determines whether your policy pays or pays nothing.

Preeclampsia. Postpartum depression. Cesarean complications. Some may qualify.

Standard maternity leave almost never does.

Do you know what your elimination period means if pregnancy complications prevent you from working?

[Set for Life @setforlifeins]

@CUDivHospMed @CUAnschutz Congratulations! Wishing you all the best!