Articles

DI Concepts | November 14, 2025 | Alexandra Ginieres

CPT Codes Explained: A Broker’s Guide to Speaking the Language

Why CPT Codes Matter for Disability Brokers You don’t need to be a medical expert to sell disability insurance to doctors—but you do need to speak their language. Here’s the disconnect most brokers miss: traditional LTD policies define disability by job title. A surgeon is disabled when they can no longer work as a surgeon. […]

Industry News | November 14, 2025 | Alexandra Ginieres

Industry News – November 2025

Below you'll find a roundup of the most important news and insightful opinions from the disability insurance industry in the month of November.

DI Concepts | October 24, 2025 | Alexandra Ginieres

The Q4 Crunch: How Benefits Brokers Can Navigate Year-End Chaos Without Burning Out

7:30 AM. Your coffee’s half-finished. Your inbox shows 47 unread messages. Three carriers sent renewal quotes over the weekend—all higher than expected. Your calendar shows back-to-back client meetings for the next two weeks. An HR director just texted asking if you’ve seen the new compliance requirement she heard about at a conference. And somewhere in […]

Industry News | October 24, 2025 | Alexandra Ginieres

Industry News – October 2025

Below you'll find a roundup of the most important news and insightful opinions from the disability insurance industry in the month of October.

DI Concepts | September 26, 2025 | Alexandra Ginieres

Healthcare Practices Just Revealed They’ll Pay Premium Prices for Better Disability Insurance—But Only If You Know What They Actually Want

Forget competing on price. MGIS surveyed 100 healthcare practice administrators and uncovered a premium market hiding in plain sight. These practices rank coverage quality above cost concerns and 69% will pay higher prices for better disability insurance. The catch? You need to know what “better” actually means to doctors. [Download the Full Whitepaper: Healthcare Practice […]

Industry News | September 26, 2025 | Alexandra Ginieres

Industry News – September 2025

Below you'll find a roundup of the most important news and insightful opinions from the disability insurance industry in the month of September.

DI Concepts | August 15, 2025 | Alexandra Ginieres

Mastering Open Enrollment for Doctor Groups

A successful open enrollment period for brokers involves thorough preparation, clear communication, and efficient processes. Brokers should start planning well in advance, review existing benefits, and ensure they are up-to-date on industry changes. Effective communication, leveraging technology, and providing excellent support to clients and their employees are also crucial. This comprehensive guide walks you through […]

Industry News | August 15, 2025 | Alexandra Ginieres

Industry News – August 2025

Below you'll find a roundup of the most important news and insightful opinions from the disability insurance industry in the month of August.

DI Concepts | July 25, 2025 | Alexandra Ginieres

The Broker’s Guide to Affinity Group Opportunities in Healthcare

While other brokers chase individual practices, smart brokers win entire doctor networks. Healthcare transforms rapidly. Independent practices unite to survive payor pressures while maintaining autonomy. These affinity arrangements create massive opportunities for brokers who understand how to spot and win them. Most brokers see a medical practice and think “group case.” Smart brokers see the […]

Industry News | July 25, 2025 | Alexandra Ginieres

Industry News – July 2025

Below you'll find a roundup of the most important news and insightful opinions from the disability insurance industry in the month of July.

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