I'm a surgical subspecialist and have unfortunately been diagnosed with a rare medical condition that in the next five years will likely prevent me from operating. Luckily from what I've researched it shouldn't affect many other aspects of my life.
There has been a lot of discussion on WCI blog and book about which policies to purchase; however, I haven't found much on the best way to proceed to make sure the policy is enforced. I have a Guardian true own-occupation policy I purchased as a resident for which I've maxed out my future increase options. I also work for a large hospital and have a group modified own-occupation policy. Together if both pay I would actually make more than I do now and be in a lower tax bracket. However, I like what I do and am in no rush to stop unless I or my doctors feel it isn't safe.
I'm in the delicate situation where I want to make sure both policies will be enforceable but I don't want to file a claim on them until I feel I ethically can't do my best job. I have spoken with two disability lawyers to look over my policies but neither will do so as they only work on a contingency basis. I am hoping someone in the forum will have either practical advice or a recommendation of a specific law group/attorney. Any input on this situation would be appreciated!
There has been a lot of discussion on WCI blog and book about which policies to purchase; however, I haven't found much on the best way to proceed to make sure the policy is enforced. I have a Guardian true own-occupation policy I purchased as a resident for which I've maxed out my future increase options. I also work for a large hospital and have a group modified own-occupation policy. Together if both pay I would actually make more than I do now and be in a lower tax bracket. However, I like what I do and am in no rush to stop unless I or my doctors feel it isn't safe.
I'm in the delicate situation where I want to make sure both policies will be enforceable but I don't want to file a claim on them until I feel I ethically can't do my best job. I have spoken with two disability lawyers to look over my policies but neither will do so as they only work on a contingency basis. I am hoping someone in the forum will have either practical advice or a recommendation of a specific law group/attorney. Any input on this situation would be appreciated!
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