If you’re a nurse anesthetist, it’s highly likely that you’re responsible for some or possibly even all of the monthly expenses your family incurs. This means you should consider purchasing a nurse anesthetist disability insurance policy to protect your income should you find yourself unable to work due to an accident or an illness.
I’m Already Protected, Right?
Many medical professionals assume that they already have some sort of disability insurance protection, but that’s not actually the case. You won’t find this sort of financial assistance with your health insurance policy, auto insurance, or other types of insurance. You might also think that you’re protected by worker’s compensation. That might be true, but it only applies if you’re injured on the job.
What if you’re injured outside the workplace? What if you become ill and it’s not linked to exposure on the job? In these instances, you might be out of work for weeks, months, even years at a time. What happens when you’re unable to meet your financial obligations? You’ll first dip into your savings, and then you’ll drain them. What happens after that? The strain this can put on a family is incredible.
Nurse anesthetist disability insurance is designed to help in these situations. It provides a source of income when you’re unable to work so that you don’t fall behind on your financial obligations.
Why Disability Insurance?
As a nurse anesthetist, you probably make between $50,000 and $197,000 per year or more. You probably also have significant monthly expenses, such as medical or nursing school loans, a home mortgage, and the cost of school for your children. Insuring your nurse anesthetist income makes a lot of sense.
With nurse anesthetist disability insurance, you get the peace of mind that comes from knowing you have financial coverage in the event that you’re injured or ill and unable to work for a time. There’s significant security in that knowledge. It means that you may not have to drain your savings to pay your bills if you’re injured or sick and not able to work.
Your Nurse Speciality Impacts Your Disability Insurance Rates
Insurance companies group occupations into specific classes based on documented risk for a particular job. These classes look at the hazards of your job and the difficulty returning to work following a long or short-term disability.
Insurance companies typically classify professional occupations on a scale of 1 to 6 and many use the letter M to designate medical professions. Typically, the higher the numerical value of the classification, the lower the premium rate will be.
Why Choose Us
We have years of experience in this area and skilled professionals working tirelessly, so if you work with us, we can find the coverage you need. With us, you gain a number of significant benefits, including:
- You’ll be able to review rates top-rated insurers.
- You’ll receive quotes from national insurers in the US.
- We’ll explain your options, how these policies work, and how to ensure that you’re getting the best coverage possible.
Rate Chart
When you review disability insurance policies, it’s important to understand what medical specialty you are being classified as. If you are a nurse anesthetist, is the insurance company classifying you as such or as the specialty you work in? The difference in rates can be substantial between the two so it’s important to be classified in the correct category.
Are You at Risk?
When it comes to long-term disabilities, you’ll find the most common causes include:
- Back injuries
- Cancer
- Heart disease
- Other illnesses
Those are all things it is incredibly difficult to guard against, and to which a growing number of Americans are subject. In fact, for those aged 40 or older, you have a one in five chance of experiencing a disability that lasts at least three months before you turn 65. That’s a frightening statistic and one that you could be leaving your family open to if you’re not protecting your income with nurse anesthetist disability insurance.
Nurse Anesthetist Disability Insurance Policy Details
It’s not easy to choose the most suitable disability insurance policy that will protect your income should you become disabled by illness or injuries. Insurance companies offer different versions of disability insurance that they consider would be most attractive to their target consumers.
We can help you find the coverage you need and the insurance provider that will bring you the best coverage options, so don’t hesitate to reach out to us.
How Nurse Anesthetist Disability Insurance Helps
When you purchase a disability insurance policy and then experience a qualifying disability, your insurer will begin paying you based on your average annual income. You can use that money to stay afloat and pay your bills until you are well enough to return to work.
Of course, not all disability insurance policies are the same. You need to choose not only the right insurer but the right policy and the right benefit amount. Not sure how to do that? We can help. We give you quotes from all the major US insurers, and can also provide you with advice and guidance to help you define your needs and then choose a policy that meets them.
Take Your Disability Insurance With You
One of the advantages of individual disability insurance is that it doesn’t depend on your employer. It’s tied to you and yourself only (or the policyholder), so even if you switch companies, you will still have your disability insurance policy. This is not the case with some other types of insurance policies that are connected to your employment. Once you stop being an employee in the initial place where you got your nurse anesthetist disability insurance, you lose your insurance, but this will not happen with your individual disability insurance.
We can help you find the disability insurance you need for peace of mind and financial security. Get in touch with us at 1-877-221-6198 or use the convenient contact form on the page to send us a message. We’d love to help you get the protection you need.
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