Residents and Fellows

At Kaplan Financial, we specialize in serving the unique financial planning and disability insurance needs of over 2,500 physicians nationwide. Robert Kaplan, who founded the firm in 1990, is a former CPA with Ernst & Young and has been married to a practicing physician for over 25 years. Mr. Kaplan regularly speaks to residency programs throughout California about taxes, financial planning, and disability insurance as part of their financial literacy programs.

"Kaplan Financial is the place to go for objective and experienced financial advice, discounted rates on individual disability insurance, and a long-term commitment of superior service." - The White Coat Investor

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 and financial planning. We understand that early planning to pursue financial security is critical.

Robert Kaplan, CFP® strives to be a recognized sales leader among disability and life insurers, enjoying unparalleled direct access to underwriters and discount programs designed for physicians in residency and fellowship. We work with a broad range of insurers to find the best combination of policy features, cost, and financial strength for you. As a result, we are able to make informed recommendations based on objective research and your individual needs. 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.

Contact us today for a complimentary, no obligation conversation or click here to receive disability quotes from the leading providers of physician "own occupation" disability insurance.

Guaranteed Standard Issue (GSI) Programs

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.