For physicians working right now in Texas these are sobering times. You are likely to be treating patients who either have the coronavirus or may have been exposed to it.

That means every day you go to work you are at risk of exposure to the virus.

Have you considered what would happen if you were one of those unfortunate enough to contract a disabling case of COVID-19?

Beyond the devastating impact to your physical health, what would happen to your finances if you could not work and stopped receiving a paycheck? What would that mean for your family?

The world is changing at mind-boggling speed. It’s hard to predict what our lives will be like in the next 24 hours – let alone in the future.

That said, if our income is exposed to risk – due to the possibility of a serious illness or injury – it could put our long-term financial health in jeopardy.

During these days of historic change and uncertainty, it is not uncommon to think about what we can do to help further protect the health and financial security of our family.

As a result, our advisors are fielding numerous questions about disability insurance. This is because disability insurance is a vital way to help replace income if we are unable to work due to illness or injury.

As we face the challenges of these extraordinary times, many of our members are reviewing or reevaluating their disability insurance options.

Here is some insight into one disability insurance plan that may help inform your decision about getting coverage that can serve your needs and save you money.

With each passing day, COVID-19 is transforming our lives in ways we might never have been able to predict. It is redefining how we live and how we work.

As a result, many physicians are reassessing the kinds of protection they have in place for themselves and their families as they try to navigate an uncertain path forward.

As you near the conclusion of your medical residency, you can rightly be proud of your accomplishments, and have reason to look forward to a successful career. But the world has changed, and the face of medicine looks strikingly different than when you began this journey. No one can say with certainty what the future holds. Because the unexpected does happen, proper insurance coverage is vital for helping you successfully meet the unknown.

What type of insurance should you carry as a resident or fellow? For those who aren’t sure where to start, we have created a package of the most essential insurance products for physicians who are starting out in their careers.

At this unique moment in time, physicians are facing stark realities that are unprecedented – not just in the field of medicine but in every aspect of our life.

The impact of the current health crisis is causing people in all professions to take stock of how we live and what we can do to best protect ourselves and our families.

Almost every professional knows how important it is to help protect their income. Our long term financial health depends on it.

For over 60 years we have worked with Texas physicians to help them protect their income and the financial security of their family.

But now, as risks to our health and livelihood are rising daily, we are finding that many physicians are reaching out to us with concerns that their income may not be adequately protected – leaving the financial security of their family vulnerable.

Even if you don’t play or watch the game of baseball, you have most certainly heard the expression “cover your bases.”

It essentially means “be prepared” – position your team to be alert for any possibility – whether it’s a line drive hit down the third base line or a runner trying to steal second. The idea is to be ready so no matter what happens you are not caught off guard.