At Kaplan Financial, we specialize in helping physicians secure "own-occupation" disability insurance. With more than 2,500 physician clients nationwide and over 25 years of experience, our in-depth understanding of physicians' disability insurance and financial planning needs allows us to deliver comprehensive protection at the very best rate. We believe The White Coat Investor readers and our clients respect our professional knowledge and appreciate our honesty and common sense approach to disability insurance. We understand that early planning to pursue financial security is critical.
Whether you are an internist, emergency room physician, anesthesiologist, cardiologist, obstetrician, or orthopedic surgeon, we can help you obtain 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 now, your policy and premium (based on your age at the time you purchased your policy) 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 may have the ability to increase your coverage regardless of any changes in your health.
Customize your Coverage:
Limitations of Group (LTD) Disability Coverage:
The Changing Market:
Certain Conditions may be Limited or Excluded:
How Policies are Offered:
How Disability Policies are Priced:
How to Determine the Amount of Coverage: