We help medical residents, fellows and attending physicians compare and apply for disability insurance. By representing multiple insurance companies and providing objective advice, we can offer the most comprehensive income protection at the most competitive prices, nationwide. We exclusively offer Own-Occupation disability insurance policies for your medical specialty.
Work with a Certified Financial Planner specializing in disability insurance for physicians. We compare multiple policies so you can secure the most comprehensive coverage, at the best rate.
Work with a Certified Financial Planner specializing in disability insurance for physicians. We compare multiple policies so you can secure the most comprehensive coverage, at the best rate.
Services
Michael L. Relvas, CFP, started MR Insurance Consultants in 2008 with the mission of bringing valuable information regarding disability insurance to interested consumers via the Internet.
Although many websites exist that offer free insurance quotes and basic information, Michael recognized the need for a website that is detail oriented, unbiased and content-rich, acknowledging that most consumers do not fully understand the details and differences involved with individual disability insurance.
Although many websites exist that offer free insurance quotes and basic information, Michael recognized the need for a website that is detail oriented, unbiased and content-rich, acknowledging that most consumers do not fully understand the details and differences involved with individual disability insurance.
As a physician, you have a unique skill which is rewarded with the potential of a comfortable income and lifestyle for yourself and your family.
A comprehensive disability insurance policy can protect your income potential in the event that an injury or illness prevents you from working in your medical specialty.
At MR Insurance Consultants we work with physicians to compare and obtain individual disability insurance policies tailored specifically to each physician's unique situation.
Unlike many insurance agents, our firm represents multiple insurance companies and with no particular bias toward a single provider.
A comprehensive disability insurance policy can protect your income potential in the event that an injury or illness prevents you from working in your medical specialty.
At MR Insurance Consultants we work with physicians to compare and obtain individual disability insurance policies tailored specifically to each physician's unique situation.
Unlike many insurance agents, our firm represents multiple insurance companies and with no particular bias toward a single provider.
A person's ability to earn an income allows him or her to purchase a home, drive a car, fund a child's education, save for retirement and accumulate wealth.
Without the ability to earn an income, our lives are put on hold and our finances are likely to falter.
Owning a long term disability insurance policy may ensure that your income will continue, even if an injury or illness prevents you from working.
Most professionals understand the importance of protecting their income, but few fully grasp how valuable their income really is.
Without the ability to earn an income, our lives are put on hold and our finances are likely to falter.
Owning a long term disability insurance policy may ensure that your income will continue, even if an injury or illness prevents you from working.
Most professionals understand the importance of protecting their income, but few fully grasp how valuable their income really is.
In purchasing disability insurance, your focus should particularly be on finding a policy that covers your specific occupational duties.
Below is a summary and comparison of the two definitions often referred to as “own-occupation”.
True Own-Occupation: Considers total disability as the inability, solely due to injury or sickness, to perform the material and substantial duties of your occupation, even if you are employed in another occupation.
Modified Own-Occupation: Considers total disability as the inability, solely due to injury or sickness, to perform the material and substantial duties of your occupation and you must not be gainfully employed.
Below is a summary and comparison of the two definitions often referred to as “own-occupation”.
True Own-Occupation: Considers total disability as the inability, solely due to injury or sickness, to perform the material and substantial duties of your occupation, even if you are employed in another occupation.
Modified Own-Occupation: Considers total disability as the inability, solely due to injury or sickness, to perform the material and substantial duties of your occupation and you must not be gainfully employed.
Supplemental disability insurance provides professionals who are insured under a group disability insurance program the opportunity to enhance and optimize their income protection.
Contrary to what most people believe, group disability insurance at work is less comprehensive and does not always provide an adequate amount of coverage.
In some cases it may severely limit your income protection, especially for higher income earners.
Simply put, supplemental disability insurance is an individual long-term disability insurance policy designed to provide for the gaps and limitations that exist in group disability coverage.
Contrary to what most people believe, group disability insurance at work is less comprehensive and does not always provide an adequate amount of coverage.
In some cases it may severely limit your income protection, especially for higher income earners.
Simply put, supplemental disability insurance is an individual long-term disability insurance policy designed to provide for the gaps and limitations that exist in group disability coverage.
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