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Lives of Doctor Wives: Insurance

Monday, July 19, 2010

Insurance

Has anyone purchased disability insurance outside of what the residency provides?

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10 Comments:

Blogger Carol said...

Yes, my husband purchased some last year. I don't know that much about it though, I'll have to check with him when he gets home..whenever that is :)

July 20, 2010 at 8:31 AM  
Blogger Sarah Weiss said...

Thank you for sharing your feedback on this! We purchased it last year as well but it's killing our budget... Trying to decide whether to stick with it or not.

July 20, 2010 at 2:21 PM  
Blogger The Wilcox's said...

We haven't yet, but are seriously looking at a policy now that my DrH is in his final year of residency.

July 20, 2010 at 2:49 PM  
Blogger paeonia said...

We have considered it too but it was a budget buster. The rates we looked at were based on current income...not projected..and were really rather expensive given my DH's resident salary. I can see that it will make a lot of sense once he's making more money as the rates didn't increase much (dollars a month) even with a sizeable pay increase.
Has anyone found any better policies for resident salaries?

July 20, 2010 at 5:37 PM  
Blogger Carol said...

Our rate is about $100/month, and it's based on current income as well. My husband liked the fact that even when he makes policy changes later on he won't have to take another physical etc.

July 20, 2010 at 7:02 PM  
Blogger Mrs. Dawkter said...

We are currently looking into it (as well as life insurance) but considering the cost it may not be in the budget.

July 20, 2010 at 9:38 PM  
Blogger Laura said...

We got it this past year when my husband started as an attending. It is pretty pricey - over $500/month but worth it as it will replace his income if he is hurt. We bought a pretty sizable life insurance policy for him too which is a little over $300 a month. The more you make...the more you spend it seems ;)

July 21, 2010 at 10:16 PM  
Blogger TheFamousStacie said...

A little disability comes with my husband's benefit package. He doesn't qualify for disability insurance so that's all we can get.

We bought a cool mil of Life Insurance. It's only, like $37 per mo.

July 21, 2010 at 10:52 PM  
Blogger Melisa said...

We have life insurance, but no disability. I'm sure we will get it when we have a real, livable income.

July 22, 2010 at 9:19 PM  
Blogger Kathi the wingspouse said...

We did, but if you want it, look for something portable if that could be an issue later. M's work provided some but we were able to take advantage of a benefit package allowing us to "upgrade." We weren't going to do it until we learned we could take it with us (although it was expensive when we did.

July 22, 2010 at 11:17 PM  

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