Ever wondered if your employer's long-term disability (LTD) policy truly has your best interests at heart?  

In this episode of Cover Your Assets, host Billy Gwaltney reveals the hidden truths behind employer-provided group LTD policies. Discover the significant gaps in these policies and why private specialty disability coverage might be a better safety net for you. 

Billy shares insights from his extensive experience with physicians, highlighting key differences between employer group LTD policies and private insurance. Learn why it's crucial to be informed about what your coverage truly offers. 

Episode Highlights:

• The basics of employer-promoted group LTD policies and their hidden biases. (01:05)
• Explore significant gaps in coverage and why the benefits might fall short. (02:06)
• Understand adverse selection and how it affects the definitions and effectiveness of group policies. (04:24)
• Why maximizing private disability insurance is essential for comprehensive coverage. (05:23) 

The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life. 

For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on ⁠Facebook⁠ and ⁠LinkedIn⁠. 

If you have questions, feedback, or just want to connect, email Billy at ⁠billy@ownoccdisability.com.⁠