Disability insurance for pharmacists

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PostPosted: Mon Sep 27, 2010 6:23 pm   Post subject:   

Max, it may just be Californial that has low caps like that. Most that I see know cap out at $10,000. Some are higher. I don't see too many that are lower any more. A cap higher than $5,000 doesn't impact the price all that much since it only impacts those making above $100,000, plus those are the ones making the decisions.


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akvma
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PostPosted: Tue Sep 28, 2010 3:49 am   Post subject:   

Quote:
California that has low caps like that.




California has no "caps" on private DI (workers' comp is much different). What low caps were you thinking about? The $12,000/mo or the $20,000/mo? Besides, the client was in Texas.


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PostPosted: Tue Sep 28, 2010 9:35 am   Post subject:   

Quote:
California has no "caps" on private DI (workers' comp is much different). What low caps were you thinking about? The $12,000/mo or the $20,000/mo? Besides, the client was in Texas.




The low caps were from your statement, "...as most group LTD policies have a cap of 6-8K of total benefit."



I was simply pointing out that where I am, this is simply not the case, so I was wondering if this low cap thing had to do with California. Even your example of the higher cap came from a different state.

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PostPosted: Wed Sep 29, 2010 7:22 pm   Post subject:   

Quote:
as most group LTD policies have a cap of 6-8K of total benefit."




Sorry, but that was NOT my statement, it was a statement made by BNTRS (two posts above it) that I was replying to (I just forgot to quote it as such). I won't hold that against you.


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PostPosted: Fri Oct 01, 2010 2:57 am   Post subject:   

Max,



No doubt, but I think we need to thinking about exceptions and rules (or perhaps rules of thumb).



Sure we can find examples such as your prior company working on a case where a carrier was willing to make an offer.



Either way, our original discussion concerned the basis for cost, which I believe we have squared away, but it's been a little while since I've looked at this, and it's been a busy month.

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