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Navigating the doctor disability dilemma Common missteps among doctors when signing up for disability insurance often revolve around employer-provided policies. Many mistakenly believe they don't need additional coverage if their job offers it or opt to cancel their private insurance for perceived savings. However, some employer policies, despite appearing similar on the surface, may have significant differences upon closer inspection. This can lead to confusion and potential gaps in coverage. Therefore, it's vital for doctors to not rely solely on employer-provided disability insurance and to thoroughly assess the terms and benefits of any policy they consider. Shelby Heiser is an advisor with Pattern whose mission is to take care of doctors so they can have the peace of mind and financial security to take care of others. Find out more at https://lnkd.in/eTMnFgDW #Sponsored #DoctorInsuranceBlunders #CoverageConfusion #PolicyPitfalls #InsuranceInsights #DoctorDisabilityDilemma #EmployerCoverageCaution #InsuranceIntelligence #CoverageClarity #DisabilityInsuranceDecisions #InsuranceMythsDebunked

A complex & contentious issue surrounding the NDIA & its positioning within the broader context of social services & welfare in Australia. The NDIA's role is to implement the NDIS, to provide support to Australians with disability, their families, & carers. However, the framing of disability support under the umbrella of "welfare" rather than as a matter of rights & social justice, can raise significant ethical, legal, & social questions. Shifting discourse around #disabilitysupport from rights-based framework to a welfare-based one can invoke ethical dilemmas. Suggesting that support for PWD is a matter of charity rather than a fundamental right, undermining the autonomy & dignity of PWD. This transition leads to a paternalistic approach to disability support, where individuals are seen more as recipients of aid rather than as rights-holders with agency & autonomy. #UNCRPD to which Australia is a signatory, advocates for viewing disability through a human rights lens. This international #bestpractice emphasizes the importance of recognizing the rights of PWD to live #independently & be included in all aspects of society. The framing of disability issues within a welfare context may raise questions about Australia's commitment to these international obligations & standards. The categorization of #disability under "welfare" rather than as a core component of social justice & #humanrights issues can dilute the focus on creating an inclusive society that accommodates diversity. This perspective may neglect the social model of disability, which argues that society itself needs to adapt to the needs of PWD, rather than viewing individuals as needing to be "fixed" or "cared for." The conceptualization of the NDIA's work as a "welfare" issue could influence policy directions & funding allocations. It might prioritize short-term financial considerations over long-term investments in accessibility, inclusion, & #empowerment for people with disabilities. The embedding of disability services within the broader welfare framework may also impact #transparency & #accountability mechanisms. It's essential to scrutinize how funding is allocated & services are delivered to ensure they meet the #needs of PWD effectively & respectfully. Some countries have implemented policies that more explicitly recognize the rights of PWD to #education, #employment, & independent living, supported by comprehensive legal & social frameworks. The framing of disability #support within a welfare context presents philosophical paradoxes concerning the value society places on independence, autonomy, & rights versus the paternalistic approach of welfare. This situation invites us to question the foundational assumptions about disability, support, & society's role in #facilitating an #inclusive environment for all citizens. It challenges us to reflect on whether our societal structures reflect principles of equity, justice, & respect for all individuals.

Are you healthy? Do you depend on your income? What would happen if you experienced a short term or long term disability? When it comes to your financial future, isn't it better to make sure all your bases are covered? 🙆🏼♀️ This Disability Insurance Awareness Month, reach out to learn how individual disability insurance from New York Life can help supplement government programs or enhance your employer benefits, so you can have peace of mind knowing you're fully covered. 💸 #DisabilityInsurance #Incomereplacement #disability #protection #protectyourincome

As we recognize Disability Insurance Awareness Month this May, now is the perfect time to educate clients on the importance of income protection. The chances of disability are real: one in four individuals will face a disability that prevents them from working at some point in their careers. This makes disability insurance a necessity, especially for high-income earners such as doctors. Now is the time to connect with clients to review their disability insurance needs, ensuring that they have enough coverage and the right policy built for their needs. When working with healthcare employers, make sure that a strong group disability plan is in place. To learn more about disability insurance specifically made for doctors, click here https://lnkd.in/gugJ8Hpt #MGIS #DIAM #disability #insurance

In the event of a disability, two-income households are 10% more likely than married couples with a single income to file bankruptcy due to higher fixed expenses*. Learn how you can protect your family’s standard of living by adding individual disability insurance to your plan. *The Two-Income Trap: Are Two Earner Households More Financially Vulnerable?, Center for Economic Studies, June2019 Individual Disability Insurance | New York Life Read how an individual disability insurance policy from New York Life can offer personal income prot… https://lnkd.in/dn2twkBK

I am a big proponent of Disability Income insurance as a key component of an overall financial plan. If your clients are high-income professionals, what they have through work is likely insufficient. Look for opportunities to discuss supplemental coverage. #DIAM2024 #HighlandCapitalBrokerage #ProtectYourPaycheck

Many high-earning doctors don’t have enough disability income protection. MGIS High Limits Disability Insurance supplements other policies to provide high-earning doctors with true 70% income protection. As with other MGIS disability insurance products, our high limits disability insurance contract has been designed from the ground up to meet the specialized income protection needs of doctors. To learn why you should consider MGIS High Limits Disability Insurance as part of a holistic protection offering, click here https://lnkd.in/e42YimHP #mgis #highlimits #disability

Axel demonstrates the new National Disability Insurance Agency Gold Standard Gross Motor impairment cut off. "Touching your toes" Who knew that a single stretch could override the findings of a world-renowned Professor of Metabolics and Genetics? But here we are, with the NDIS’s unique criteria eclipsing specialist reports, effectively making a mockery of professional input. This is where the real waste lies—not in meaningful supports, but in the endless hours and expertise of specialists, only for their insights to be ignored or conveniently unread. It’s a system working beyond the “qualifications” of any NDIS delegate, bending and stretching the truth to suit their framework while stretching us to the breaking point. This arbitrary threshold no doubt means that securing particular support for Axel will now require more reports, legal battles, tribunal costs—the whole, costly dance. And so, as Axel touches his toes, the system touches a new low. Bill Shorten

Are you ready for Disability Insurance (DI) Awareness month? We’ve got you covered. Make sure your clients are financially prepared if an accident or illness keeps them from working. Learn more about our DI team here: https://ow.ly/YW1450RqLB3 #DIAM24 #DisabilityInsurance #Disability #AwarenessMonth

In the event of a disability, two-income households are 10% more likely than married couples with a single income to file bankruptcy due to higher fixed expenses*. Learn how you can protect your family’s standard of living by adding individual disability insurance to your plan. *The Two-Income Trap: Are Two Earner Households More Financially Vulnerable?, Center for Economic Studies, June2019