Professional Planning Group

10/15/2026

You probably know a physician who has been meaning to figure out their disability insurance.

Maybe they are finishing residency or fellowship.

Maybe they just started a new job and are not sure what their employer coverage actually provides.

Maybe their income has increased, but their disability benefit has not.

Or maybe they bought a policy years ago and could not explain what is actually in it today.

A referral can give them a place to get those questions answered without having to become an insurance expert themselves.

If you refer a qualified physician to Professional Planning Group, you can receive a $150 Amazon gift card as our thank-you for making the introduction.

You make the connection. We will help them understand their options.

Learn more:
https://hubs.li/Q04zcg5B0

10/14/2026

If you have access to Guardian GSI, applying somewhere else first can take that option off the table.

That is an important detail for residents and fellows to understand before starting the disability insurance application process.

In this episode of Cover Your Assets, Billy Gwaltney explains the tradeoff between Guardian Guaranteed Standard Issue coverage and traditional medical screening.

Guardian GSI can provide specialty own-occupation coverage without medical screening, while medically underwritten coverage may offer a higher future benefit limit.

He also explains why the order in which you apply matters.

🎥 Watch on YouTube: https://hubs.li/Q04B3l1_0

🎧 Listen on Spotify:
https://hubs.li/Q04B3l0j0

In this episode, Billy Gwaltney walks you through the Guardian GSI ...

10/08/2026

A new physician job can change more than your paycheck.

It can also change the way your disability coverage fits your career.

If you are changing employers this fall, relocating, or moving into a higher-paying role, it is worth checking your coverage before everything is finalized.

A few things to look at:
⏩ Is your private benefit still appropriate for your new income?
⏩ What group LTD will the new employer provide?
⏩ Are you eligible to increase your private coverage?
⏩ If you are moving to another state, does the timing affect what you should do next?
⏩Is your current private policy portable?

A well-structured individual disability policy can stay with you through employer and state changes. Your employer benefits may not.

Career transitions already create enough paperwork. This is one piece worth looking at before the move rather than after it.

Learn more:
https://hubs.li/Q04zcbnR0

10/06/2026

If you have a Guardian GSI quote sitting in your inbox, the premium is not the first thing to look at.

There are several decisions inside that quote that can affect both what you pay now and how the policy works later.

In this episode of Cover Your Assets, Billy Gwaltney walks through the Guardian Guaranteed Standard Issue quote email for residents and fellows and explains what each of those choices actually means.

A few of the things he covers:
✅ How much coverage you can start with while still in training
✅ How the Benefit Purchase Rider can let you increase coverage later, up to $15,000 per month, without new medical questions
✅ The difference between a 90-day and 180-day elimination period
✅ When COLA may matter
✅ Level versus graded premiums and why the cheaper starting premium can cost more over time
✅ Why this GSI opportunity may not remain available indefinitely

The biggest advantage of GSI is not simply the price. It is the ability to secure strong specialty disability coverage without the traditional medical screening process.

If you received this quote, this episode is designed to help you understand what you are looking at before you make a decision.

🎥 Watch on YouTube: https://hubs.li/Q04zc6kr0

🎧 Listen on Spotify: https://hubs.li/Q04zc6ln0

This episode explains Guardian’s Guaranteed Standard Issue specialt...

10/01/2026

Private disability coverage is not just for residents and new attendings

It is easy to assume that if you did not purchase private disability insurance early in your career, the opportunity has passed.

That is not necessarily the case.

For physicians who are five, ten, or even fifteen years into practice, protecting income can be just as important as it was at the beginning of a career.

By then, you may have:
✅ A significantly higher income
✅ More financial obligations
✅ A family depending on your earnings
✅ A mortgage, practice ownership, or other long-term commitments
✅ Greater reliance on continued income to meet retirement goals

Your options will depend on factors such as your age, health, specialty, location, and existing coverage. But assuming you are "too late" can keep you from finding out what is still available.

If you never put private specialty disability coverage in place, or if you are relying heavily on employer group LTD, it may be worth taking another look.

Learn more: https://hubs.li/Q04wXW4d0

09/29/2026

Can you increase your disability coverage after a claim starts?

This is one of those questions physicians usually do not think about until it matters.

In general, once you are already on claim, you cannot simply decide that you should have purchased more coverage and increase the monthly benefit.

That is why future increase options and Benefit Increase Riders matter before anything happens.

As your income rises, it is worth periodically asking:
✅ Am I eligible for more coverage now?
✅ Is my Benefit Increase Rider still active?
✅ Am I carrying enough coverage for my current income and obligations?
✅ Is there an upcoming deadline to exercise an increase option?

The goal is to make those decisions while you still have options.

Billy goes deeper into this question here:
https://hubs.li/Q04wXVcN0

Once a disability claim begins, you generally cannot increase your coverage amount. In this episode, Billy Gwaltney explains why physicians need to secure the right level of disability insurance before a claim happens, how benefit increase riders work, and why planning ahead is essential for protect...

09/24/2026

The real test of a disability policy comes when someone needs to use it
Dr. Williams purchased disability coverage during residency.

About a year and a half later, an unexpected diagnosis forced him to stop working and begin treatment.

What mattered at that point was not simply that a policy existed.
The policy had been structured with riders that became important during the claim, and Billy was available to help explain the process and work through what came next.

Dr. Williams later wrote:
"Having this disability policy has relieved a huge source of stress at a very difficult time."

That is what disability insurance is supposed to do.

The policy matters.

The details matter.

And having someone who knows the policy and can help when life changes matters too.

Read more client experiences: https://hubs.li/Q04wXTYq0

09/22/2026

Your disability broker should do more than send you quotes.

A broker is not just there to shop carriers and email pricing.

A good disability insurance broker should help you understand what you are buying, how it fits your specialty, and how it may need to change as your career evolves.

That includes helping you:
✅ Compare the right coverage, not just the lowest premium
✅ Make sure key definitions and riders are included
✅ Structure the policy around your specialty and income
✅ Stay on top of changes as your career, compensation, or location changes
✅ Be there if you ever need help with a claim

This is not just about getting a policy in place. It is about having the right expertise behind it over the long term.

Your disability policy could last 20 or 30 years. Choose the person supporting it accordingly.

Learn more:
https://ownoccdisability.com/blog/avoid-becoming-an-orphaned-disability-policyholder/

Learn what it means to become an orphaned disability policyholder and why physicians should choose an experienced broker who will remain available for policy updates, coverage questions, and claims support long after the policy is issued.

09/17/2026

Know a physician who could use some help with disability insurance?

A good referral can save someone a lot of time, confusion, and potentially some expensive mistakes.

If you know a physician who has questions about:
✅ Private specialty disability coverage
✅ Employer group LTD
✅ Whether their current policy is structured correctly
✅ Increasing coverage as their income grows
✅ Resident or fellow discounts

Send them our way!

For every qualified physician referral, you'll receive a $150 Amazon gift card as our thank-you.

It is a simple way to help a colleague get clear answers about protecting their income.

Refer a physician: https://hubs.li/Q04wXRJX0

Know a physician who needs disability insurance? Introduce them to Billy Gwaltney at PPG and earn a $100 Amazon gift card for every qualified referral.

09/15/2026

Moving to another state? Check your disability insurance before you go.

The state where you purchase your policy can affect your disability insurance rates. So if a move is coming, timing matters.

Before you relocate, ask:
✅ Should I apply before or after the move?
✅ Could my rate change in the new state?
✅ Will the move affect a planned coverage increase?
✅ Will my existing individual policy move with me?

This is especially important for residents and fellows transitioning into a new attending role.

A quick conversation before you move can help you understand your options while you still have flexibility.

Read more:
https://hubs.li/Q04wXRxD0

Billy Gwaltney explains the grace period residents and fellows may have after graduation to secure trainee discounts on private disability insurance. He compares the discount windows for MassMutual, Guardian, Principal, and Ameritas, and explains why physicians should avoid waiting until the last mi...