Blog

Business Overhead Expense Protection

Business Overhead Expense Protection

As a practice owner or partner, even though you may have addressed your need for personal disability insurance, you may still find yourself financially exposed to office expenses. Business Overhead Expense protection is the best option you have for keeping these bills off your back as you recover. BOE as it is commonly referred to, is a type of income protection that is specifically designed to help pay for your practice overhead expenses keeping your doors open while you are disabled or until you decide not to practice any longer.  The expenses covered are items such as staff salaries, utilities, equipment, taxes etc.,  your typical business expenses.  Just as with personal plans these policies should be non- cancelable, guaranteed renewable and include a future increase option which allows you to purchase additional benefits later without a medical exam. However there are important differences to note.  In your business overhead contract the waiting periods are much shorter, typic[...]
Welcome 2016

Welcome 2016

Have you made your New Year's resolutions yet?  If so, they probably fall in line with the most common ones like.  losing weight, getting into shape, being more or less social,  doing better at work or at home just to name a few.  I've got a suggestion for another.  Take care of your financial security. Now is a good time to put the wheels in motion for a solid financial plan for your future. Starting with.....you guessed it a Disability Insurance Policy.  I've said it before and here it is again nothing can replace a well written plan.  At Incomeprotectionspecialist.com that's what we do.  All you need to do is give us the details and we take care of the rest. Don’t let something as seemingly small as a finger injury cost you your financial peace of mind.  Remember the purpose of your Income Protection Policy is to replace lost wages during the time you are unable to work and sometimes it’s a lifetime.  Make getting a sound disability protection policy part of your 2016 New Year[...]
Let the Celebration Begin

Let the Celebration Begin

The holidays are upon us whether it be Chanukah, Kwanzaa, or Christmas let the celebrations begin.  This is also the time when we look to the new year and reflect on our challenges and successes during this one.  Learning and growing as we go adding what is necessary and changing what is not. It is the time to look forward to the new adventures that await us in 2016.  At Incomeprotectionspecialists.com 2015 has been a year of exponential growth and we have you to thank. From all of us at Incomeprotectionspecialists.com we say Happy holidays and may the new year bring blessings of success and joy to all of your lives.[...]
No thumbnail available

Turkey Day

  Thanksgiving is traditionally a time to celebrate with family or friends and count our many blessings.  We at IncomeProtectionSpecialist.com we have many blessings to be thankful for.  We are grateful for the many new and existing clients that we have.  We are also thankful that you have entrusted us with the responsibility to provide you with the products and services that will ensure you and your loved ones a secure financial future. Happy Thanksgiving to you and yours, we wish you all the best.[...]
No thumbnail available

You Are Worth It

Just because you are a medical professional does not mean that you are immune to disabilities.  But what is a disability for a physician or dentist?  Simply put, it is any health condition that prevents you from doing your job and earning a paycheck. This may seem elementary but there is a major distinction for your profession. A simple hand injury or needle stick can prevent from doing your job.  Furthermore according to the Council for Disability Awareness, the top five long term disability claim categories are: musculoskeletal/connective tissue, nervous system related, cardiovascular/circulatory, cancer and neoplasms, mental disorders The CDA goes on to state that the average claim period is between 31 and 35 months although many last a lifetime.   Given this information, why is it that so many of you forgo this protection until it is too late and the cost is too high.   Can really you afford not to be covered? Stacia Musleh http://blog.disabilitycanhappen.org/a[...]