I've recently decided to reduce my shifts in the ED to 12 from 15, they are a mix of 8 hour, 9 hour and 10 hours. I'm employed and my contract considers me for full benefits at 12 shifts a month. I have existing individual LTD policies from the Standard that I have had for several years and a group policy through my employer.
It just occurred to me that at 12 shifts a month I won't meet the 30 hour a week full time requirements of most DI policies. I'm sure I'm not the only ED doc to run into this issue and am curious what my options are other than working more. I'm still 10-15 years away from retirement and have small children and a stay at home spouse, so need the insurance.
Does anyone know how the 30 hours a week is calculated, is it just over a week, a month a year? Any advice appreciated.
It just occurred to me that at 12 shifts a month I won't meet the 30 hour a week full time requirements of most DI policies. I'm sure I'm not the only ED doc to run into this issue and am curious what my options are other than working more. I'm still 10-15 years away from retirement and have small children and a stay at home spouse, so need the insurance.
Does anyone know how the 30 hours a week is calculated, is it just over a week, a month a year? Any advice appreciated.
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