Why graduating Optometrists should purchase disability insurance prior to graduation.
Graduating optometrists in their first year of practice may purchase up to $3500/month of individual disability insurance regardless of income or group disability insurance in force at DISCOUNTED RATES.
What to look for in a disability policy for Optometrists:
- Specialty specific language. Also known as “own occupation.” This means the policy will pay you benefits if you cannot work in your occupation, even if you can work in another specialty or occupation.
- Non cancelable, guaranteed renewable .This means that once you have your policy, the company can never raise your rates or modify your policy. Most association plans do not have this feature, leaving the premiums precarious to large premium increases in the future.
- Increase Options. This will allow you to increase your benefits in the future without any medical questions.
There are several advantages for pharmacists to purchase a policy prior to graduation:
- No financial requirements. After graduating, optometrists must prove income with financial documentation and the benefit amount is limited to income and any group disability benefits are in force. This may reduce the amount of available benefit.
- *Discounts. If you are working for a hospital that has an available discount, you may lock in your discount prior to graduation and carry it with you throughout your career.
*Discounts are available through Set for Life Insurance from multiple companies. To receive the Set for Life Insurance discounted rates, applications need to be submitted through Set for Life Insurance prior to graduation.
These include (but are not limited to):
EMCAre |
Avante Medical Group |
University of Alabama |
University of Arkansas |
University of Arizona |
University of Arizona |
Alameda Health |
Cedars Sinai |
Kaiser |
Stanford |
Sutter Medical |
UC Davis |
UC San Diego |
UCSF |
University of the Pacific |
Santa Rosa Memorial |
St. Joseph’s Hospital |
Children’s Hospital |
Univ of Colorado |
COPIC |
Children’s Hospital |
Greenwood Dental |
KKO Law Firm |
Univ of Colorado |
Denver Health |
Perfect Teeth |
Yale University |
Christiana Health |
Georgetown University |
Bayfront Hospital System |
University of Miami |
Jackson Memorial |
Augusta University Medical Center |
DeKalb Medical Center |
Medical College of GA |
Emory |
Georga Regents University |
Medical College of GA |
Wellstar Health |
University of Iowa |
Iowa Health |
St. Luke’s |
Aurora Care |
Carle Foundation |
Loyola University |
University of Chicago |
Northwestern University |
Rush |
University of Illinois |
Indiana University |
Dr. Neena Patel |
Via Christi Health |
KU School of Medicine |
University of Kentucky |
University of Louisville |
University of Louisiana |
Catholic Health East |
Tufts University |
Massachusetts General |
Harvard University (Mass General) |
Boston Children’s (Mass General) |
Johns Hopkins |
University of MD |
Maine Medical Center |
Portsmouth Regional Hospital |
Henry Ford Hospital |
University of Michigan |
Beaumont Hospital |
Michigan State |
Allina Health |
Mayo Clinic |
University of Minnesota |
Washington University in St. Louis |
St. Anthony’s |
St. Louis University |
Forest General |
Duke University |
Wake Forest University |
University of North Carolina |
University of North Dakota |
University of Nebraska |
Speare Memorial Hospital |
Portsmouth Regional Hospital |
University of New Mexico |
Cooper Health |
Long Island Jewish |
Princeton University |
Rowan University |
New Jersey Dental School |
UMDNJ |
New Jersey Medical School |
Robert Wood Johnson Medical School |
Saint Peter’s University Hosptial |
UNLV |
Bronx-Lebanon Hospital |
Einstein Medical Center |
Kings County Hospital |
Kirkland & Ellis |
New York Presbyterian |
Kings County Hospital |
New York Presbyterian |
St. Luke’s Roosevelt |
Unviersity of Rochester |
Case Western Reserve |
Children’s Hospital of Columbus |
Cleveland Clinic |
Ohio State University Medical Center |
University of Cincinnati |
Ohio State University |
Children’s Hospital of Columbus |
Wright State University |
Cherokee Nation |
Chickasaw Nation |
University of Oklahoma |
Oregon Health Sciences |
Carnegie Mellon |
University of Pennsylvania |
Good Samaritan |
Hershey Medical Center |
Pennsylvania State University |
St. Luke’s |
Drexel University |
University of Pennsylvania |
University of Pittsburgh |
St. Clair |
Brown |
Medical University South Carolina |
South Dakota |
East Tennessee University |
University of Tennessee |
Vanderbilt |
Baylor University |
Dell Medical |
Texas A&M Health Sciences |
Texas Tech |
University of TX |
University of Texas Medical System |
University of Texas at Houston |
University of UT |
EVMS Eastern Virginia Medical School |
University of Virginia |
Virginia Commonwealth University |
PeaceHealth |
University of Washington |
West Virginia University |
Medical College Wisconsin |
University of Wyoming |
SUNY Downstate |
University Hospital of Brooklyn |
Coney Island Hospital |
Woodhull Medical Ccenter |
NYU |
Bellevue Hospital |
Harlem Hospital |
Metropolitan Hospital |
Jacobi Medical Center |
Lincoln Medical |
North Central Bronx |
Elmhurst Hospital |
Queens Hospital Center |
Long Island Jewish |
Beth Israel Medical Center |
Roosevelt Hospital |
St. Luke’s |
Albert Einstein College of Medicine |
North Shore Long Island Jewish |
Bronx-Lebanon Hospital |
Montefiore Medical Center |
Sea View Hospital |
If your program is not listed, please contact Set for Life to learn about setting up a discount at your program.
For more information about Optometrist disability insurance or to request a quote comparison, contact the Set for Life Insurance office today!