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Disability Insurance for Cardiologists in Hawaii
What to look for | Insurance company literature | Quotes | Forms
According to Medscape's 2022 Physician Compensation Report, the average Cardiologist in the Honolulu, Hawaii area with 1-7 years experience earns $388,224 per year. Over the next 25 years with 3% annual increases, that pencils out to $13,149,617 in total career earnings, assuming he/she remains healthy enough to receive it. That's a lot to leave to chance; and that's why disability insurance is so important.
Considerations for Cardiologists
Cardiologists, whether with invasive duties or not, have special considerations when it comes to selecting a disability income insurance policy. The definition of disability should be specialty-specific so that cardiology is the relevant reference, but it is even better if surgery itself may be an independent determinant.
In a disability scenario, a Cardiologist would want to be paid full benefits due to being disabled as a Cardiologist, even if he or she could work as another kind of physician; or perhaps could still practice cardiology but couldn't do surgery. Furthermore, the definition of disabled should permit working in a different occupation (or medical specialty) without compromising benefits. This is because disability benefits are rarely adequate to provide the same standard of living, and the disabled Cardiologist may have to re-train for another specialty.
Some of the Insurers We Work With
Availability is subject to underwriting and state approval.
Brochures | Forms
This is an insurance solicitation per regulations issued by the Hawaii Division of Insurance 335 Merchant Street Honolulu, Hawaii 96813 808-587-3222 #https://cca.hawaii.gov/# ;insurance license # 486346 (Rip Curtis)