Grand Rounds: More on disability insurance with Larry Keller

The podcast explores the complexities of disability insurance, particularly for physicians, focusing on employer-provided plans, guaranteed standard issue (GSI) options, and considerations for self-employed individuals. It highlights the importance of individual plans to supplement employer coverage, addressing tax implications, portability, and income caps. For independent contractors, the discussion covers navigating income documentation and expense assumptions to determine appropriate coverage levels. The podcast emphasizes the strategic advantage of obtaining disability insurance during residency or fellowship due to better discounts and health status. It also warns against unknowingly applying for insurance online, which can impact GSI eligibility, and details the nuances of pre-existing condition limitations and unisex rates in GSI plans. Larry Keller offers his contact information for further inquiries.