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What People say about Us
I met Blaine through a recommendation from a colleague during my Orthopaedic Surgery residency. Blaine is approachable and easy to talk to and he helped me navigate obtaining disability insurance. He clearly and concisely explained the policy to me -- He explained all the options available to me and helped to guide me in choosing the best policy that fit my needs.
Blaine is great at explaining the policy to me. He has remained in touch throughout the fellowship and attending jobs as coverage has changed along the way. We have increased coverage with increased income and Blaine has always been readily available to work with us and help in any way possible. We would highly recommend Blaine for your disability insurance needs.
I originally met Blaine while I was med student. He was extremely helpful, patient and stayed in touch with me. As a result, as I matched into a Dermatology residency, he helped me get coverage and years later we are still in touch
My wife and I have disability insurance through Specialized DIS, and they have done an amazing job. Blaine has educated us thoroughly on the topic and made everything easy and hassle free.
I met Blaine at a financial planning dinner/seminar. I understood the benefits, but I was not excited about the cost and was especially turned off by the disparity between male and female policy rates. I had dozens of questions, concerns, and a great deal of distrust towards the insurance industry. Blaine met my vehement skepticism with an inordinate amount of patience, thoughtfulness, and professionalism.
Blaine was introduced to us by an attorney. We already had coverage established but didn’t really understand what we had. Blaine took the time to us understand our coverage and was able to get one of us a better policy and suggested the other to keep coverage as designed. We have continued to work with Blaine and his team in other areas.
How We Guide You?
We like to understand your situation. On this free consult we will address any concerns and design the best coverage based on your unique situation.
Learn, Compare and Select
We will guide you through a highly efficient and educational process enabling you to understand the key terms and options available and allowing you to make informed decisions regarding coverage. This is generally a simple online meeting, lasting 30-45 minutes, with no cost or obligation.
Phase one: we will submit your application to carriers (sometimes multiple) for review and negotiate the best terms and rates. Phase two : discuss your approved rates and customize your policy to meet your objectives.
Why Physicians Want Individual Disability Insurance?
Disability insurance is more than income protection – it’s something that keeps your larger financial plan intact, no matter what.
Nearly half of the one million Americans who filed for bankruptcy protection last year did so as the result of an unexpected injury or illness.
According to the Social Security Administration, 1 in 4 of today's 20-year-olds will become disabled at some point in their career.
90% of disabilities are due to illness, while 10% of disabilities are due to injury.
1 in 4 people living in the U.S. will suffer a disability lasting for more than a year before the age of 65 - the opportunity cost of lost wages is tremendous.
When's the best time to get coverage?
Don't wait to get coverage, it may be too late. Plan Ahead.
Do you want to protect your paycheck?
95% of Physicians prefer to protect their paycheck with individual disability insurance.
Is Group LTD coverage enough?
If you get Group LTD provided by your employer, the benefit is often taxable, resulting in a large gap of coverage.
What is the chance of a Disability claim?
Many people under estimate the likelihood of claims and the cause. Learn more about the chances, common claims and the potential impact.