Empowering physicians to protect life's most valuable financial assets - their income - and life's most important people - their families. Stephanie Pearson, MD, FACOG, brings the experience of a physician into the disability and life insurance market. Injured in the prime of her career, the Board Certified OB/GYN took an unexpected journey to becoming an advocate and advisor for physician insurance.
Scott Ravitz, a longtime broker and insurance expert to the medical community, was a natural advisor and behind-the-scenes colleague for Stephanie. Today, the two have officially partnered to offer unique industry insights and expertise with incredible care. Together, Stephanie and Scott advise and advocate for physicians about the importance of protecting life's most valuable financial assets.
The partnership of PearsonRavitz wields the duo's powerful combined skill set - and has made them sought-after experts on the basics and nuances of disability and life insurance for doctors. If you're a healthcare provider without vetted disability and life insurance policies, risk management needs to begin yesterday.
Scott Ravitz, a longtime broker and insurance expert to the medical community, was a natural advisor and behind-the-scenes colleague for Stephanie. Today, the two have officially partnered to offer unique industry insights and expertise with incredible care. Together, Stephanie and Scott advise and advocate for physicians about the importance of protecting life's most valuable financial assets.
The partnership of PearsonRavitz wields the duo's powerful combined skill set - and has made them sought-after experts on the basics and nuances of disability and life insurance for doctors. If you're a healthcare provider without vetted disability and life insurance policies, risk management needs to begin yesterday.
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I was a practicing OB/GYN in a community hospital, and my patient was a lovely woman.
But my patient was also well into labor, in extreme pain, and not acting like her everyday self.
I had to enlist a team of four nurses to help me calm her down to ensure a safe delivery.
When the baby's heart rate fell, the situation became emergent.
I reached in for the infant - and the panicked mom kicked me in my shoulder, twice.
For seven months, I continued to work with a torn labrum, my pain increasing as my range of motion decreased.
But my patient was also well into labor, in extreme pain, and not acting like her everyday self.
I had to enlist a team of four nurses to help me calm her down to ensure a safe delivery.
When the baby's heart rate fell, the situation became emergent.
I reached in for the infant - and the panicked mom kicked me in my shoulder, twice.
For seven months, I continued to work with a torn labrum, my pain increasing as my range of motion decreased.
Healthcare providers know healthcare - and a lot about health insurance.
Typically, however, physicians know little about disability insurance.
After all, disability insurance is not a subject addressed in an MD's otherwise extensive education.
No one's teaching the differences between individual own-occupation and long-term group policies during grand rounds.
Well, no one, except Stephanie.
On the other hand, doctors know enough to insure other valuable things in life like cars, homes and valuables.
Typically, however, physicians know little about disability insurance.
After all, disability insurance is not a subject addressed in an MD's otherwise extensive education.
No one's teaching the differences between individual own-occupation and long-term group policies during grand rounds.
Well, no one, except Stephanie.
On the other hand, doctors know enough to insure other valuable things in life like cars, homes and valuables.
Now is the time to sign up for disability insurance.
As a resident, you are finally able to practice medicine, yet insurance companies view you as just starting out.
Residents typically qualify for insurers' "starter package" policies, which come at a significant discount.
These policies are available during residency only, yet many insurance companies continue to honor their discounted rates throughout a physician's career.
A note about riders: Riders are the building blocks of your policy.
They are the small and large details laying out the benefits you stand to receive.
As a resident, you are finally able to practice medicine, yet insurance companies view you as just starting out.
Residents typically qualify for insurers' "starter package" policies, which come at a significant discount.
These policies are available during residency only, yet many insurance companies continue to honor their discounted rates throughout a physician's career.
A note about riders: Riders are the building blocks of your policy.
They are the small and large details laying out the benefits you stand to receive.
My job is to help walk you through the disability insurance process, but before I do, I recommend you obtain a copy of your employer's long-term disability policy.
Many of these policies don't say what you think they say.
I'm glad to help guide you through the fine print.
Other information you'll need to know before we get started: the breakdown of your income, including salary and bonus(es).
If you currently posses a policy, do you know what it really says?
I've found most physicians who own a private policy don't to know its scope.
Many of these policies don't say what you think they say.
I'm glad to help guide you through the fine print.
Other information you'll need to know before we get started: the breakdown of your income, including salary and bonus(es).
If you currently posses a policy, do you know what it really says?
I've found most physicians who own a private policy don't to know its scope.
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