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Resident Physicians

Since 1990, Kaplan Financial, dba Physician's Financial Management, has been assisting residents and fellows with their personal financial planning, including tax preparation, individual disability and life insurance, debt management, review and negotiation of employment contracts, incorporation, Roth IRAs, and much more. We regularly speak to residency programs throughout Los Angeles about taxes and financial planning as part of their financial literacy programs.

Individual Disability Insurance - Discounted Rates

At Kaplan Financial, we specialize in helping resident physicians secure "specialty-specific" disability insurance. We are a national leader in physician disability income insurance. With more than 2,500 physician clients nationwide and over 25 years of experience, our in-depth understanding of physicians' financial planning needs allows us to deliver comprehensive protection at the very best rate. 

Whether you are an internist, emergency room physician, anesthesiologist, cardiologist, obstetrician, or orthopedic surgeon, we can help you obtain comprehensive coverage from the most respected, financially secure disability insurance companies in America. Employer sponsored discounts of 10 to 25% and lower unisex pricing for females are available at participating hospitals.

By starting a plan during training, your policy and rate (including any employer sponsored discounts) are guaranteed to age 65. This means that the insurer can not later increase your rates, modify your contract, or cancel your policy for any reason, including your disability. Additionally, as your income increases, you will have the ability to increase your coverage regardless of changes in your health.

Guaranteed Standard Issue (GSI)

If you have a pre-existing condition that would otherwise prevent you from qualifying for disability coverage, you may be eligible for a special Guarantee Standard Issue (GSI) program. Under a GSI program, residents and fellows may obtain disability coverage regardless of their current or prior medical history. If you fall into this category, please contact us to review your options. You are only eligible for this program while you are resident or fellow at a participating hospital.