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Henry Sink, CRNA

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Kontaktinformationen, Karte und Wegbeschreibungen, Kontaktformulare, Öffnungszeiten, Dienstleistungen, Bewertungen, Fotos, Videos und Ankündigungen von Henry Sink, CRNA, Finanzdienstleistung, Frankfurt am Main.

30/10/2026

1099 vs. W-2 CRNA: what’s the difference? 🤷 🤷🏾‍♂️ 🤷‍♀️

It’s the same job with a different setup.
As a 1099 CRNA, you work for yourself, not the facility.

W-2: Your employer withholds your taxes and provides your benefits, PTO, and usually your malpractice coverage. They also set your schedule.

1099: You get paid the full rate, but you:
💼 Pay both halves of Social Security and Medicare (15.3% self-employment tax)
💼 Send in estimated taxes every quarter
💼 Buy your own insurance and fund your own retirement
💼 Only get paid when you work
💼 Pick your own contracts and schedule

The higher rate looks great.
Just remember it has to cover everything your employer used to pay for.

“Locum” means a temporary position. It’s often 1099, but not always, so read the contract.

This kicks off our 1099 series with Krewe Anesthesia. 👇 Comment your biggest question about going 1099!

Educational only, not tax or financial advice.

26/10/2026

Hey everyone!

Thanks for following along with us as we covered the topic of Long-Term Disability Insurance that is true Own Occupation.

and I sat down for a one-on-one interview to expand on some of the topics that we posted about. This first video is just the intro, but please watch to get to know us better!

19/10/2026

EMERGENCY FUNDS EXIST FOR EMERGENCIES!

3 weeks without work.

Did I panic? No. I had money banked up on the sideline in case this happened.

Did I try and pick up extra shifts at my part time Endo gig? Also no. I wanted to actually rest and recharge.

Did I follow up with the CE company multiple times without any response? Yes.

The main points I want to get across are at the end on the slide set. I’m very thankful I had the common sense to have an emergency fund for this exact type of situation.

Have you had to use your emergency fund? How about missed a few weeks of work due to credentialing issues? Drop a comment in the comment section so others can learn!

25/09/2026

10 days. 20 posts. One message.

Your career as a CRNA is extraordinary. You operate at the highest level of nursing practice. You make life-and-death decisions. You earn income that reflects that expertise.

And it can all change in an instant — or gradually, quietly, over time — through injury, illness, or any of the occupational risks we’ve been discussing all week.

True own-occupation LTD insurance isn’t about expecting the worst. It’s about ensuring that if the worst happens, your financial life doesn’t collapse alongside your clinical career.

Here’s what we know:

🔵 W-2 CRNAs: group coverage is a baseline, not a solution. You need individual, own-occupation supplemental coverage — personally paid for tax-free benefits.

🟢 1099 CRNAs: you have no safety net except what you build. Own-occupation LTD and BOE coverage together form your complete income protection foundation.

For both: the best time to act was when you graduated. The second best time is today.

📌 If this series helped you, share it with a CRNA colleague who hasn’t thought about this yet.

💬 Drop your questions below or send us a DM — we’re here to help CRNAs get this right.

The career you built deserves to be protected.

23/09/2026

Ten days of education. Two posts a day. Hundreds of CRNAs are getting this information for the first time.

Here’s your action plan — five concrete steps to get properly protected:

STEP 1 — AUDIT YOUR CURRENT COVERAGE

W-2: Get your group LTD plan documents. Find the disability definition (not just the name — read the actual language). Note the benefit cap and whether your employer pays the premium.

1099: Confirm whether you have any disability coverage at all.

STEP 2 — CALCULATE YOUR REAL TARGET

Work backward from actual take-home income. Account for the taxability of employer-paid benefits. Factor in student loans, mortgage, retirement contributions, and healthcare costs.

STEP 3 — COMPARE MINIMUM THREE CARRIERS / INSURANCE COMPANIES

Guardian. MassMutual. Principal. Standard. Ohio National. Others. Compare the disability DEFINITION first. Then riders. Then premium, in that order.

STEP 4 — FIND A DISABILITY INSURANCE SPECIALIST

Not a generalist agent. A broker/advisor who specializes in disability insurance for healthcare professionals, represents multiple carriers, and has direct CRNA or anesthesia client experience.

STEP 5 — APPLY. TODAY.

Not when income is higher. Not after the next job. Not when things settle down. Now.

21/09/2026

1099 CRNAs, this post is for you — and it’s something most agents never bring up.

When you’re disabled and not seeing patients, your income stops.

But many of your business expenses don’t.

→ Malpractice tail coverage premiums
→ LLC registration and legal fees
→ Accounting and bookkeeping
→ Professional memberships (AANA, state association)
→ Continuing education obligations
→ Any contracted service agreements or administrative overhead

These costs can easily add up to $2,000–$5,000/month or more, continuing to accumulate against your savings while you’re unable to work.

This is what Business Overhead Expense (BOE) Insurance is designed for.

BOE is a separate policy that reimburses legitimate fixed business costs during a disability, typically for 12–24 months. It’s not income replacement — it’s practice protection.

Who needs it:
✅ 1099 CRNAs with regular fixed monthly business expenses
✅ CRNAs with malpractice tail obligations
✅ Those with any contracted services or business infrastructure

Who may not need it:
→ CRNAs who contract purely through staffing agencies with minimal overhead

If you’re generating $300K–$450K in 1099 revenue, you almost certainly have overhead worth protecting.

BOE + personal LTD = complete 1099 CRNA protection.

17/09/2026

The Retirement Gap

Here’s the second financial blow of a CRNA disability that almost no one talks about: the retirement savings gap.
CRNAs, especially 1099 contractors, often contribute aggressively to retirement accounts like Solo 401(k)s, SEP-IRAs, and defined benefit plans.
We’re talking about $50,000–$66,000+ per year in contributions.
Now imagine a disabling event at age 39.
Not only does your income stop.
Your retirement contributions stop too, potentially for years or permanently.
At a 7% average growth rate, $60,000 in missed annual contributions represents approximately:
→ $160,000 in lost retirement assets after 10 years
→ $340,000 after 20 years
→ Substantially more over a full disability lasting until retirement age
Some LTD policies offer a Retirement Protection Rider that deposits an additional monthly benefit into a trust during disability, helping simulate the retirement contributions you would have made.
For high-income CRNAs who fund their own retirement aggressively, this rider addresses a real and significant financial gap.
Disability protection isn’t just about replacing your paycheck. It’s about preserving the entire financial life you were building.
Is retirement savings part of your disability planning conversation? It should be.

16/09/2026

This post in our series is less about which accounts to use and more about how to actually invest and think long-term. We’ll touch on the S&P 500 and low-cost index investing while highlighting the core message: pick a strategy and stick to it — the strategy never works if you keep changing the plan every year.

We’ll cover diversifying and keeping expense ratios low and make the point that Schwab vs. Fidelity vs. another brokerage genuinely doesn’t matter that much — don’t let small details hold you back from just starting.

We hear Allison’s personal story — how she started investing in a brokerage account as a registered nurse and used it to help pay for part of CRNA school.

We also chat about the mindset of investing: you have to be able to stomach the drops in the market. We’re playing the long game — a scary headline today won’t matter when you’re 65. We even added in a great visual in regards to starting investing at 22 vs 35 and how that can impact your long term wealth building ability.

Allison also shared her favorite finance books as a bonus. Seriously, these are great reads!

15/09/2026

Your LTD policy's base benefit gets the headline. The riders determine whether it actually works.
Let's talk about three that matter most for CRNAs:
📈 COLA RIDER (Cost-of-Living Adjustment)
A CRNA disabled at 35 with a $15,000/month benefit and NO COLA rider receives the equivalent of roughly $7,200/month in today's dollars by age 65 (at 3% inflation over 30 years).
With a COLA rider, $15,000/month maintains its real value. That difference over 30 years? Over $1 million in additional benefits received.
🔄 FUTURE PURCHASE OPTION RIDER
New graduate CRNAs or 1099 CRNAs in their early contract years can start with a base benefit that reflects current income, then increase coverage every few years as income grows, with no medical exam and no new underwriting.
A 1099 CRNA going from $280K to $420K over 5 years should be exercising this rider every time it's available.
⚡ RESIDUAL DISABILITY RIDER
Especially critical for 1099 providers: if you can only work 60% of your previous capacity, you lose 40% of your income.
Without a residual rider, many policies pay nothing. With it, you receive a proportional monthly benefit that bridges the gap.
Together, these three riders can add $500,000–$1,500,000+ in actual benefits over a career.
They're worth every dollar of additional premium.
Questions on any of these? Drop them below. 👇

10/09/2026

Your LTD Policy Checklist

Having Long-Term Disability (LTD) insurance is important, but having a policy is only part of the equation. The details of your policy can make a big difference in how well your income is protected if you become unable to work.

Here are some key features to review in your LTD policy:

• True Own-Occupation Definition
Make sure you understand how your policy defines disability and your ability to work in your specific occupation.

• Benefits to Age 65 or 67
Check how long your benefits can continue if you experience a long-term disability.

• 60–70% of Total Compensation
Review whether your coverage provides an appropriate level of income replacement based on your overall compensation.

• COLA Rider
A Cost-of-Living Adjustment rider can help address the impact of inflation during a long disability claim.

• Future Purchase Option Rider
This can provide an opportunity to increase coverage as your income grows, subject to the policy’s terms and requirements.

• Residual / Partial Disability Rider
Disability does not always mean being completely unable to work. A residual or partial disability benefit can be important if an illness or injury reduces your ability to work or earn income.

• Full Mental Health + Substance Coverage
Review the limitations and provisions surrounding mental health and substance-related disabilities. The slide also recommends considering a Student Loan Rider.

Your career and income can change over time, so your LTD policy should be reviewed carefully rather than simply assuming you have enough coverage.

If you’re a CRNA, do you know what your LTD policy actually covers?

Work with a specialist who understands the unique income and occupational considerations of healthcare professionals.

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