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Disability Insurance


Disability Insurance Quote Forms

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Disability Insurance Information

Disability Insurance

After years of education, training and persistence medical professionals clearly have made an investment in themselves and their career enabling them to provide care and support to the patients they serve. MedPro One presents our "Preferred Disability Insurance Advisors" for medical professionals interested in or seeking quality resources for Disability Insurance. 

Our goal is to provide market leaders in the Disability Insurance industry with the ability to provide a full panel of disability products and top rated companies that provide them. Many of our presented advisors specialize in serving medical professionals all over the country, and provide the highest quality of service we wish to present in our panel of "Preferred Disability Insurance Advisors." 
      

MedPro One National Disability Insurance Preferred Advisors and Agencies 







Steve Devlin
Cell (614) 989-7579
sdevlin@dostalkirk.com
Steve Devlin
  • Registered Representative and Financial Advisor with Dostal and Kirk Insurance and Financial Services, Inc.
  • Steve has assertedhimself as a leader and highly talented advisor for medical professionals all over the country.
  • Steve provides Disability Insurance options with leading and top ranked Disability Insurance companies in the country.




What are the types of disability insurance?

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

  1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
     
  2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

  1. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
     
  2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

  • Additional purchase options
    Your insurance company gives you the right to buy additional insurance at a later time for an additional cost.
     
  • Coordination of benefits
    The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
     
  • Cost of living adjustment (COLA)
    The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
     
  • Residual or partial disability rider
    This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
     
  • Return of premium
    This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
     
  • Waiver of premium provision
    This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

     

 

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