Disability insurance will typically pay out benefits for policyholders that have been out of work and not earning an income for at least 90-180 days. At that point the disability insurance is there to help maintain lifestyle in the event that one can’t earn an income anymore. How Long Will
By InsureSTAT Content Team
Three of the most feared, avoided, and misunderstood words comprise one single phrase: LONG TERM CARE. Long term care is defined simply as assistance with activities of daily living, such as: Bathing Eating Dressing Using the toilet Moving from place to place Continence Cognitive impairment Long Term Care has
By Danny Mensh
For many graduating residents and fellows there is a mad dash to graduation that includes negotiating employment contracts, taking boards, moving, and getting credentialed in new states. Oftentimes, making sure to secure individual disability insurance falls through the cracks despite huge discounts and easier underwriting and this piece then goes
By Danny Mensh
A series of very unfortunate circumstances occurred in this excellent article concerning a “Disability Insurance Debacle” found on https://www.whitecoatinvestor.com/5-financial-mishaps-that-led-to-the-physician-philosopher-blog/. As an independent insurance agent for over 22 years I have seen nearly everything happen…good and bad in our industry. I have seen individuals with diagnosed medical history that would
By Danny Mensh
Disability insurance can help protect your ability to earn a paycheck in the event you become sick or are injured and can’t work. Although disability insurance is not tax deductible, don’t overlook the tax benefits of this insurance product. Your biggest financial asset over your lifetime is not your home
By Melissa Horton
March is National Nutrition Month. A healthy diet can help you avoid disease or regain health, maintain a healthy weight and support a healthy lifestyle. What does that have to do with insurance? As a medical professional, you already know that your health affects every aspect of your life. But
By InsureSTAT
In the Fall of 2009, Danny Mensh, the owner of Mensh Insurance and Co Founder of InsureSTAT was asked to meet with the Human Resources team at Wake Forest Baptist Medical Center to review the all existing Disability Insurance programs for the residents and fellows. These programs specifically included a
By Danny Mensh
No doubt, no question, and with TOTAL and COMPLETE CERTAINTY, the very top question asked by all medical residents and fellows when looking for their first individual disability insurance policy is: “Is the policy Specialty Specific?” In reality, this question makes no sense…in no disability insurance policy will you find
By Danny Mensh
While everyone’s definition of death is essentially the same for life insurance policies, morbidity, or health status, is what may become the determinant measure of the extremes of a disability from illness or accident. Once a person has expired, finite requirements will provide for a claimant’s benefit payment. However, should
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