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"It is very fortunate that I did not put off this decision as I did so many others while building a practice and a family.  It's so easy to believe that tomorrow's another day and you can make those choices then.  I learned that is just not the case and I always encourage everyone I know to own disability insurance form a reputable carrier."
• Former LAC + USC ENT Resident later disabled by chronic back problems.

"I realized that all those years of paying Disability Insurance DID prove worthy...I now receive a monthly disability check for life.  In addition, I am now holding a faculty position at UCLA School of Dentistry without conflict with my policy."
• Dentist disabled by osteoarthritis.

"These past couple of years has been difficult and life-changing.  I have had the stress of losing my health, the joy (and difficulty) of having and raising a new baby, the financial stress of losing my physician income and being in a difficult economy with a husband needing to change jobs, but I can say that a silver lining has been knowing that I haven't completely lost my earning potential.  I never missed the amount I paid monthly to the disability company with direct debit (though sometimes I wondered if I really needed to pay that much!), but I can tell you it has been life-saving.  I don't know if I could have handled everything else without knowing that I was covered financially."
• Dermatologist disabled by Hashimoto's Disease, Graves Disease, and lupus.

"Because my specialty involved surgery and I was unable to perform complicated laparoscopic procedures and also long laparotomies for myomectomy and tubal reversal surgery, my insurance policy did cover the change in practice, because I was no longer able to perform surgery.  I have been able to continue an office practice and still have disability insurance coverage."
• Ob/gyn disabled by herniated disc.

"I am so glad we met that fateful day at LAC Medical Center in 1983.  The disability insurance policy you sold me has made all the difference in the quality of my life, and probably contributes to why I am still here today."
• Former LAC + USC ER Resident later disabled by HIV.


Please note:  originals of all testimonials are held on file and available for inspection.  Names are not given in order to protect the privacy of our clients.