Disability Insurance for Veterinarians
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In today’s fast pace and ever-changing world, you need to be guided through the complex world of Disability Insurance. But with all the distractions and duties you are responsible for on a daily basis, who has the time to stay up to date with all the changes. This is where we come in, we are specialists in the area of Disability Insurance for Veterinarians such as you. With all of the options and add-on’s to Disability Insurance, you want to make sure you are getting the proper coverage at the appropriate price.
And while you are here, feel free to Download a Great eBook below to see how we differ from the Rest…
What is Disability Insurance and What does it Cover?
Disability Insurance is meant to protect your Income in the event of an Illness or an Injury, whether you are on the job, away from your office, on a Ski trip, or cleaning out the gutters your home.
This type of 24 hour coverage is generally only available to those who choose to put the coverage in place personally, which is not always the case when you rely upon the Association Plan. If you become Sick or have an Injury while covered under the policy, it will pay you a Monthly Salary based upon the coverage you choose.
Coverage on your own personal policy will cover you in the short term, the long term and even up to age of 65 if you so choose.
How does Disability Insurance Pay out?
If you have Disability Coverage in Place, and you become injured or have an illness that requires you to take time off from your practice, Monthly payments begin to cover your Income loss. There are many ways to craft a Disability Insurance policy, so that it best suits your needs, and stays flexible to provide you the right coverage at the appropriate price.
Here are some main points to consider when purchasing Disability Insurance personally, not through the Association Plan.
- Your coverage is provided 24 hours a day, 365 days of the year, whether you are on the job, or skiing in the Rockies.
- Your Disability Payments can start in as little as 30 days after you become Injured or suffer an Illness
- Your Disability Coverage cost will never increase when you own it personally, the cost is based upon your health when you apply, so you can secure your cost, and have the faith that it will not increase over time.
- You can also protect all of your business costs while on disability, so you can be rest assured that your practice will survive the event (Critical for Practice Owners)
- You will have the financial resources necessary to continue your recovery, and focus on what’s most important, getting better
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Why would you need Disability Insurance?
Imagine, if you would, that you have been working in your Practice for some time, and everything is running good. Your client count is up, you are getting more and more referrals, you are becoming recognized as the leader in your industry and it seems that nothing can go wrong. And then it does. You may be worried about becoming injured or ill, because it happens, it just does. We certainly know of people who are close to us, either a friend or a family member or a colleague that has been inflicted by a major medical challenge, and all the financial loss that may go with it.
Actually if we look at the Report conducted by Stats Canada, it has been proven that you have more than a 1 in 4 chance of being disabled for a period of longer than 3 months between your age of 25-65, really 1 in 4!
- How would your finances survive?
- Would you have to dig into your savings to continue financially?
- Would you have to go to the bank and get an extension of your credit?
- Would you have to erode your RRSP to continue to pay the bills? Would you have challenges financially if you could not work for 90 days?
- What if you could not work for a year or maybe even 2 without an income?
- How would you pay staff, when you didn’t even have the resources to pay yourself?
These are the questions that are answered by the Effective use of the Proper Disability Coverage…
How we can Help You…
As specialists in the field of Disability insurance, we have the unique ability to provide you with the best of breed solutions to cover off all of your concerns. As brokers we are able to source your coverage out to a number of Top Rated Insurance companies who specialize in protecting Veterinarians such as yourself. In fact, in most cases Veterinarians are afforded the best cost on their coverage, due to the incentive of returning to work, as opposed to some working classes that tend to abuse the Disability Insurance System.
We have developed a unique interview process where we will collect all the information we need to go to market in a short 30 minute interview with you, in the comfort of your office, at a time that is convenient for you. We then go to work and create a customized plan for you, based upon your needs and concerns, and deliver back a solution that not only make sense, but makes it easy and affordable to set up.
How can we help you achieve your Financial Goals?
There are many ways to achieve the financial success you deserve, especially living, working and playing in such a wealthy area of the world that we live in. So why are you worried? Is it because your expectations not been met? Is it because you have not been properly educated on Disability Insurance Coverage? If you have not checked on your Insurance Coverage since you left school, do you feel it may be appropriate to review it once again?
These are questions we deal with every day, and have for the last decade, and this is why we have built our business on answering those challenges that are found above.
We know what it takes to make sure you are protected by the right coverage, and at the small cost of Disability Insurance, it can save you from financial Hardship, at a time you need to be worrying about more important things, like getting better.
Remember, all the costs of the programs that we deliver are Taxable Business Expenses, so the premiums you pay are just as deductible, as any other business expenses.
So if you feel that you need the service, consistency and faith in your Disability Coverage that you haven’t in the past, then it is time to give us a call.
We do not charge any fees to our clients, and are fully compensated by the companies that we entrust your business to. And don’t worry we deal with all the big companies that are out there as Brokers of Financial Services, and do all the work in the background. We are aware that your Time is Money, and shouldn’t be wasted by working with People or Companies who do not Understand your Business or Needs. We know you are the Best at what you do, shouldn’t you be working with a Company that is the best at what we do?
Don’t wait any longer, call us today and get the service and advice you deserve…
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