Industry News | July 23, 2026 | Alexandra Ginieres
Industry News – July 2026
Below you'll find a roundup of the most important news and insightful opinions from the disability insurance industry in the month of July.
Articles
DI Concepts | July 23, 2026 | Alexandra Ginieres
The Partner Penalty: How Typical Group LTD Underpays the Doctors Who Buy It
Doctor groups are among the hardest accounts in the benefits business to open. The incumbent broker has held the case for a decade. The administrator is comfortable. And every competing quote gets reduced to the same three numbers — rate, replacement percentage, monthly maximum — a comparison that favors whoever already sits in the chair. Winning the […]
Industry News | June 29, 2026 | Alexandra Ginieres
Industry News – June 2026
Below you'll find a roundup of the most important news and insightful opinions from the disability insurance industry in the month of June.
DI Concepts | June 29, 2026 | Alexandra Ginieres
The 24-Month Cliff: How “Self-Reported” Condition Limits Can Derail Doctor Claims
The claim was never in dispute. That’s what made the letter so hard to understand. A surgeon — a partner in a mid-sized orthopedic group — had spent two years out on the practice’s group long-term disability plan. She had been suffering from debilitating headaches, and she couldn’t hold a position during a procedure, so she stopped operating. The carrier reviewed her […]
Industry News | May 21, 2026 | Alexandra Ginieres
Industry News – May 2026
Below you'll find a roundup of the most important news and insightful opinions from the disability insurance industry in the month of May.
DI Concepts | May 21, 2026 | Alexandra Ginieres
The 40-Hour Myth: Why Traditional Work Week Definitions Hurt Doctors
A surgeon works 58 hours a week — operating, rounding, consulting, documenting. A back injury forces her to scale back. She drops to 40 hours. Her practice loses nearly a third of her productivity. Revenue falls. Colleagues absorb her caseload. The practice files a disability claim on her behalf. The carrier reviews her hours. Forty per week. Full-time by their definition. Claim […]
Industry News | April 24, 2026 | Alexandra Ginieres
Industry News – April 2026
Below you'll find a roundup of the most important news and insightful opinions from the disability insurance industry in the month of April.
DI Concepts | April 24, 2026 | Alexandra Ginieres
The Five-Minute Coverage Gap Audit: Winning Doctor Group Clients and Practice CFOs
Most practice CFOs believe their doctors are covered. They approved the group LTD plan years ago, it renews without incident every cycle, and the premium fits the budget. The policy sits in a file drawer — doing its job, they assume. It’s not. Typical group long-term disability contracts contain provisions that can reduce a doctor’s benefit to a fraction of what the practice expects […]
Industry News | March 19, 2026 | Alexandra Ginieres
Industry News – March 2026
Below you'll find a roundup of the most important news and insightful opinions from the disability insurance industry in the month of March.
DI Concepts | March 19, 2026 | Alexandra Ginieres
Seven Trigger Moments: When Doctor Practices Are Ready to Talk Group Disability Coverage
A Broker’s Guide to Reading the Room — and Showing Up at the Right Time Most brokers approach doctor practices on the industry’s calendar: open enrollment in Q4, maybe a renewal check-in midyear. But the practices that actually switch carriers or add coverage rarely make that decision because a calendar told them to. They make it because something shook […]
