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Attending Physicians

Today’s Disability Market

The disability market is looking brighter for physicians after a dark period of benefit restrictions spanning a decade. Several major carriers have expanded the market by offering:

  • True Own Occupation Coverage to Age 67
  • Increased Monthly Benefit Levels
  • Lifetime Benefits
  • Improved Recovery Benefits

Now is a good time to review your disability coverage.

“Approximately 30% of all people 35 to 65
will suffer a disability for at least 90 days
and about one in seven can expect to become
disabled for five years or more.”

Source: Health Insurance Association of America; The
New York Times, February 2000; As published in The
JHA Disability Fact Book, 2003 Edition.

 

Who Can You Trust?

If there's one thing we've learned at Reynolds over the past 30 years, it's this: most doctors do not trust insurance companies. Furthermore, they do not trust brokers or agents. And we can understand why. Claims are denied. Promises are broken. You've worked hard to acquire knowledge and build and protect your career. And then when it comes to making a claim, you are denied the very protection you paid for and expected. Who can blame anyone for feeling this way?

 

Avoid the Pitfalls

Quite simply, there's a lack of best practices and expertise in the insurance market. Even more so, there's a lack of experience and knowledge in the disability field. Problems and disputes commonly arise when agents or brokers fail to deliver the best product for a given professional occupation. Thus, when a claim is made, the insurance company holds all of the cards.

 

Why Can You Trust Reynolds Benefits?

Due to the disability crisis of the mid-90’s, a current lack of experience and knowledge exists in the disability field. Problems and disputes commonly arise when agents or brokers fail to deliver the best product for a given professional occupation. You’ve worked hard to acquire knowledge and build and protect your career. Use the resources provided on our website and call and speak with a disability expert today.