[NPInfo] Disability Insurance

[GDeStefano at nyc.rr.com]

Thank you for the responses

It just seems as an NP or even an MD earned income is very important.  
In both professions one needs to see patients to get paid and have the 
intelligence to make important life descions for their patients.  For 
a physical or mental condition to develop it leave the clinican in a 
precarious situation.  Not only could they not physically be able to 
do the work but they are putting themselves at risk for harming 
patients and possible legal action.

Those who have desk jobs can still work at home, or modify their work 
environment.  Health professionals need to be there physically.  I 
would not want to pressure my wife if I was disabled to handle all the 
financial concerns, who by the way makes more then me in advertising.

I am considering a quality plan through Berkshire the underwriter is 
quardian.  Roughly what Dena said in price.  Ower occupant which mean 
you are totally disabiled if you cannot work at your current 
professional job.  Some plan do not offer this.  One group plan was an 
offered owner occupacion for 6 months.  Then disability meant you were 
unable to work at any type of job you can be trained for.  Big 
diffence.

Thank you again.

Greg
----- Original Message -----
From: Dena <galdena at sbcglobal.net>
Date: Monday, October 15, 2007 2:56 am
Subject: RE: [NPInfo] Disability Insurance
To: 'NP Info' <npinfo at nurse.net>

> I live in CA which has a state disability program that kicks in 
> after 2
> weeks of being off work. I also have Aflac short-term disability 
(pays
> $2400/mo tax free after two weeks being off work) that costs me 
> somethinglike $100/mo and my own long-term disability insurance 
> that I currently pay
> $240/mo and goes up every year(pays me $4000/mo tax free after 90 
> days being
> off work). I've had to use the Aflac on two different occasions 
> but (knock
> on wood) haven't had to use the long-term disability insurance 
> that I've had
> for the past 10 yrs. Being a single woman with no money in the 
> bank, I NEED
> disability insurance for peace of mind so I probably tend to OVER 
> insure. 
> Dena Galler
> 
> -----Original Message-----
> From: npinfo-bounces at nurse.net [mailto:npinfo-bounces at nurse.net] 
> On Behalf
> Of GDeStefano at nyc.rr.com
> Sent: Sunday, October 14, 2007 7:28 PM
> To: NP Info
> Subject: [NPInfo] Disability Insurance
> 
> 
> Hello
> 
> Has anyone purchased disability insurance?  Are there any nurse 
> practitionerorganizations 
> for example that offer 
> decent benefits through a group policy.
> 
> To me disability insurance kind of makes sense.
> 
> What do people think?  Does anyone have experience with disability
> insurance?
> 
> Thanks
> Greg
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