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Monday, July 19, 2010

Insurance

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

Labels: discussion question

10 Comments:

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
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
Amy 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
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
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
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
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
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
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
ClosewithKathi 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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Monday, July 19, 2010

Insurance

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