Disability Insurance

Protected: Guardian Disability Insurance – Provider Plus Limited Brochure

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Guardian Provider Plus Disability Insurance Sample policy

Guardian 2011 Provider Plus Sample Policy0000

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Make Sure You’re Fully Covered for a Partial Disability

doctor with partial disability

Make Sure You’re Fully Covered for a Partial Disability By Joe Capone, LUTCF and Rick Warren, MBA Most physicians understand how important it is that their disability policy includes a true “own occupation” definition of total disability with specialty wording because it’s not just their income they’re protecting; it’s also their specialty which generates the income. [...]

Resident Physicians Vulnerable without Disability Insurance for Physicians

Resident Physician thinking about disability insurance for physicians

Resident Physicians Vulnerable without Disability Insurance for Physicians By Joe Capone, LUTCF and Rick Warren, MBA None of us ever see it coming. It happens in a flash, and suddenly our lives change forever. For Joanne, a second-year resident in ophthalmology, the long hours of residency finally caught up with her when she fell asleep [...]

Medical Students Risk it all without Disability Insurance for Physicians

Medical Students need to secure disability insurance for physicians

Medical Students Risk it all without Disability Insurance for Physicians Written by Joe Capone, LUTCF and Rick Warren, MBA Dr. Lisa has dreamed of becoming an OBGYN since she was four when her mother was pregnant with her baby brother.  She planned her course diligently and did what most medical career aspirants do; she sacrificed, [...]

Gaps in Disability Insurance for Physicians and Dentists Can be Avoided

gaps in disability insurance for physicians and dentists

Gaps in Disability Insurance for Physicians and Dentists Can be Avoided   By Joe Capone, LUTCF and Rick Warren, MBA A big mistake many doctors make with disability insurance for physicians and dentists is that they will take what is offered, and then buy and forget it.  If they purchased it from one of the [...]

Disability Insurance for Dentists: Know Your Disability Insurance Own Occupation Definition

dentist

Disability Insurance for Dentists: Know Your Disability Insurance Own Occupation Definition By Joe Capone, LUTCF and Rick Warren, MBA Most dentists are well-schooled on the need to protect their specialties in the event of a disability which is provided in disability insurance for dentists that include an “own occupation” definition of disability.  This definition is [...]

Disability Insurance for Physicians: How to Find the Best Policy

Portrait of an Old Male Doctor with a Stethoscope around His Neck

Disability Insurance for Physicians: How to Find the Best Policy By Joe Capone, LUTCF and Rick Warren, MBA Over the last couple of decades, the disability insurance for physicians industry has become so highly specialized that it has consolidated itself among  a relatively few number of companies that offer a competitive product.  This makes choosing [...]

Disability Insurance for Dentists – Most Dentists Not Confident With Their Policy

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Disability Insurance for Dentists – Most Dentists Not Confident With Their Policy By Joe Capone, LUTCF and Rick Warren, MBA You’ve made a significant investment of time, energy and money into building a demanding career with the promise of a high income and all of the rewards your profession provides. But, should an injury or [...]

Business Overhead Expense Disability Insurance: Solo Practitioner Physicians and Dentists Can’t Forget

Doctors need to have disability insurance

Solo Practitioner Physicians and Dentists Can’t Forget Business Overhead Expense Disability Insurance By Joe Capone, LUTCF and Rick Warren, MBA At 36 years old, Jennifer had it all – a growing practice, 3 excellent employees and a beautiful suite in a new medical complex. Having spent considerable time planning her future, she also had everything in [...]


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