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Updated: April 12, 2024 at 9:38 am
Chiropractors don’t have a lot of time thinking about disability insurance, am I right?
I think you will likely agree with me on that.
Yeah, John. I am pretty busy, but I am interested in learning more about disability insurance.
Great. However, what if you could no longer do your job?
Have you ever thought about what would happen if you became sick, ill, injured, and disabled?
Updated: April 12, 2024 at 9:38 am
In this article, we are going to discuss short-term disability insurance costs for
2023.
Disability insurance is an extremely important insurance that most families need. It is the only insurance that will pay a benefit to you if you are sick or hurt and can’t do your job. No other type of insurance does that.
Inflation is still high, money is still tight, and economists predict doom and gloom with a recession. I receive many phone calls from professionals about the costs of short-term disability insurance.
Continue reading Get Ahead of the Curve: 2024 Short-Term Disability Insurance Costs Explained
Updated: April 12, 2024 at 9:39 am
I know you have a lot of financial priorities: mortgage, food, health care. If you have kids, then college savings as well. Why are we talking about critical illness? Well, a critical illness – such as cancer or heart disease – can financially wipe you out. No way, John, you say. I have health insurance. That is great to hear. You know as well as I do that health insurance premiums and out-of-pocket costs have been rising as fast as a rocket. Moreover, many health insurance plans don’t cover everything when it comes to a critical illness. In this article, we answer the question that many people have. Is critical illness insurance worth the money, when you have other financial priorities? The answer isn’t so easy. Like most answers, it depends.
We discuss what critical illness insurance is, how it works, and the different types. Moreover, we will discuss potentially, better alternatives to critical illness insurance. (Yes, you heard us right.). Finally, we provide example premiums for critical illness insurance plans. By the time you finish this article, you will have a good idea if critical illness insurance is worth it and right for you.
Continue reading Is Critical Illness Insurance Worth The Money?
Updated: April 12, 2024 at 9:39 am
Make no mistake about how important disability insurance is. We have written about the importance of disability insurance ad nauseam. Recall that disability insurance pays YOU a benefit in case you can’t work due to a disabling condition. That disability benefit from the insurance carrier is based on the income you have made.
Insuring your income (that’s essentially what disability insurance is) sounds easy. However, discrepancies happen. For example, sometimes, a disability insurance carrier will exclude your income from coverage. It’s true!
What if you use the wrong income amount on the application? Or, what happens if your income increases? Additionally, what if you have several sources of income from different occupations? What do you do?
Continue reading Using The Right Income For Disability Insurance
Updated: April 12, 2024 at 9:39 am
As an acupuncturist, relief is your middle name. You enjoy the challenge of helping your clients manage their pain and other health conditions. Moreover, you particularly enjoy how unique your job is! No day is the same. You rely on your education and experience as well as your physical ability to get the job done. What if you could no longer do your job? Have you ever thought what would happen if you became sick, ill, injured, and disabled? How would you pay your bills if you could not work? Disability quickly affects your future plans and the lifestyle you worked so hard for. In this article, we discuss disability insurance and the best disability insurance for acupuncturists.
Continue reading Best Disability Insurance For Acupuncturists