Just because you are a medical professional does not mean that you are immune to disabilities. But what is a disability for a physician or dentist? Simply put, it is any health condition that prevents you from doing your job and earning a paycheck. This may seem elementary but there is a major distinction for your professions. A simple hand injury or needle stick can prevent from doing your job.
Furthermore according to the Council for Disability Awareness, the top five long term disability claim categories are:
- musculoskeletal/connective tissue,
- nervous system related,
- cardiovascular/circulatory,
- cancer and neoplasms,
- mental disorders
In one of their blogs, the CDA goes on to state that the average claim period is between 31 and 35 months although many last a lifetime. Given this information, why is it that so many of you forgo this protection until it is too late and the cost is too high. Can really you afford not to be covered?
http://blog.disabilitycanhappen.org/author/council-for-disability-awareness/
