My disability insurance salesmen from residency are advising me to change my graded plan to a level plan, since it will save me over the course of my life. Looking at the scale they provided, I wouldn't break even until 20 years from now, when I'm in my early 50s (adjusting for inflation, probably mid to late 50s). I'd expect to become financially independent at some point in my 50s, and would prefer the increased cash flow in my first decade as an attending.
Is keeping the plan graded the right move for me?
Is keeping the plan graded the right move for me?
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