🔍 Crafting disability plans for physicians requires precision and expertise. At The Bloch Agency, we equip you with top-tier support and the finest income protection contracts available to physicians.

🚀 Our expertise starts by understanding the distinctions between “own occupation” and “specialty own occupation,” ensuring you receive tailored advice and solutions.

💡 Additionally, our offerings include income protection with unmatched issue and participation limits, programs for medical students and residents, overhead expense insurance, buy/sell coverage and Guaranteed Standard Issue programs.

In today’s world, changing jobs is common. But what happens to your insurance coverage when you switch employers? Often, the new company’s group insurance might not be as comprehensive as your previous one.

The solution? Individual Disability Insurance! 💼✨

Unlike group insurance, individual disability insurance stays with you no matter where you go, even across state lines. Protect your income and ensure peace of mind throughout your career journey.

Did you know? Most tuna boat captains are considered uninsurable due to the high risks involved in their job. But at The Bloch Agency, we believe everyone deserves protection. We’re proud to provide disability insurance solutions tailored for those navigating the challenging seas of the tuna fishing industry, although coverage options may vary.

🌊 Ready to learn more? Dive in with us and discover how we can help secure your financial future, no matter your profession!

Did you know? According to the National Association of Corporate Directors, fewer than 25% of private companies have a formal succession plan in place. Yet, 75% of business owners admit they are unsure if their business would continue successfully without them.

At The Bloch Agency, we understand the hard work and sacrifice it takes to build a business. That’s why we stress the importance of a solid succession plan. Don’t leave your life’s work to chance. Let us help you ensure that your business endures, even when you’re ready to step back.

🚑 Attention Residents: Why Start Disability Insurance Early? Starting your disability insurance early is not just a precaution – it’s a smart financial strategy. As medical professionals, safeguarding your ability to earn should be a priority. Trust The Plus Group to guide you through choosing the right coverage that grows with your career.

Physicians, consider this: what would happen to your life and career if a disability suddenly prevented you from practicing medicine? Secure your future with disability insurance and ensure peace of mind for whatever may come. Let’s discuss how we can protect your most valuable asset—your ability to work.

Doctors and residents, you dedicate your lives to caring for others. Who’s taking care of your financial health? At The Bloch Agency, we understand the unique risks you face and offer tailored disability insurance solutions. Let us help protect your future.

Tomorrow, the NFL season kicks off. One of the most powerful women in sports will be missing from the ownership room again this year. Kim Pegula, age 55, suffered a cardiac event in June of 2022. Since June of 2022, Jessica (her daughter) explained, “She is dealing with significant expressive aphasia and significant memory issues.”

Just a few months ago, Terry Pegula made the difficult decision to remove Kim as co-owner of all of the Pegula properties including the Buffalo Sabres because she remains incapacitated and there is little hope that she will return to be the vibrant leader she was before the medical incident.

The Athletic reported a few months ago that a judge has named Terry Pegula the “plenary guardian” of Kim and the bulk of her assets have placed in a trust with Terry as one of the co-trustees.

She has visited the team’s practice a few times, but sat in the car each time. This year, she visited the practice and this time she exited the vehicle and was able to join the team in their post-practice breakdown.

Disabilty does not discriminate against the poor or wealthy. It does not matter your bank account balance, disability can happen to anyone and at any time. Kim was 53 when she suffered her cardiac event. She was the president of Pegula Sports and Entertainment, the holding company that managed the Buffalo Bills of the NFL and the Buffalo Sabres of the NHL, in addition to several other minor league sports teams and entertainment assets.

How can you protect yourself?

Income Protection insurance is the simple answer and it has never been easier to protect your income. For business owners, this is a good time to think about Business Overhead Expense insurance. If you were not able to run your business for a while, what would happen to the business and employees? Business Overhead will cover the bills while you recover or give you time to find a buyer for your business.

Disability Featured Fact of the Month ✨ Approximately 70% of working Americans would find it difficult to meet their financial obligations if their paycheck were delayed for a month. Disability insurance acts as a financial safety net. Don’t let life’s uncertainties derail your income. Explore disability insurance today and stay protected.

How will bills get paid or dreams be achieved if work isn’t an option? Don’t let your clients’ futures hang in the balance. The Plus Group is here to ensure security and peace of mind. Let’s protect their tomorrow, today.