Why CRNA Nurse Anesthetists Should Consider Disability Insurance
Jan 30, 2012
Jamie Fleischner

Jamie Fleischner

30 Jan, 2012

 CRNA Nurse Anesthetists are familiar with the risks involved when working.  A simple injury or a sickness could prevent a nurse anesthetist to perform their job duties.

 That’s where disability insurance comes in. Disability insurance is designed to pay a monthly benefit in the event you become too sick or injured to work.

There are several reasons why CRNAs should consider purchasing an individual disability insurance policy:

  • CRNAs often work as 1099 employees and are not offered group disability insurance. Therefore, they must purchase their own individual disability insurance.
  • CRNAs are required to perform a lot of technical and physical duties. Becoming too sick or injured to perform these duties can happen relatively easily.
  • As a CRNA, you may carry a lot of student loans which are not forgiven in the event of a disability.
  • CRNAs have a great earning potential which could be protected with adequate individual disability insurance coverage.

What CRNAs should look for in an individual disability insurance policy:

  •  Own Occupation Definition of Disability. This definition states that if due to sickness or injury you can’t work in your occupation, you will receive your benefits. Additionally, there is no reduction in benefits if you decide to work in another occupation.
  • Increase options. This allows you to increase benefits in the future without going through any further medical underwriting.
  • Residual Rider. This pays a partial benefit if you have a partial loss of income.
  • Discounts. Set for Life Insurance has discounts available nationally for CRNA Nurse Anesthetists. These discounts range from 15-40% depending on your location and gender.

If you are a graduating CRNA or are in your first 180 days of working, you may qualify for up to $4000/month benefit without proof of income.

 For more information about disability insurance for CRNA Nurse Anesthetists, please contact the Set for Life Insurance office today to request a comprehensive quote comparison personalized just for you.

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