Search found 5 matches

by reykim
Sun Apr 08, 2012 1:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1565220

Re: What Book Are You Currently Reading? Part V

Working: People Talk About What They Do All Day and How They Feel About What They Do by Studs Terkel

and

The Ominvore's Dilemma by Michael Pollan
by reykim
Fri Mar 30, 2012 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 33
Views: 6694

Re: Disability Insurance

The Guardian quote that I received had the same definition for total disability as you pulled but also included the following: "If you have limited your usual occupation to the performance of the material and substantial duties of a single medical or dental specialty, we will deem that specialty to be your usual occupation." (policy for a primary care physician). This feels a bit more iron-clad than the MetLife language as it seems possible that there could be a dispute over what one's "usual occupation" is, but maybe I'm just seeing ghosts. Guardian has a specialty definition, MetLife does not. However, Guardian does not consider a PCP to be a specialist. If you later went into a specialty field, then the specialty def...
by reykim
Thu Mar 29, 2012 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 33
Views: 6694

Re: Disability Insurance

Correct, CA is one of 5 states that it's not approved in. There are several policies better than Protector+ in CA. I'm curious as to what the several better policies are. I'm in CA, and the quotes that my agent pulled were for Standard Protector+, Guardian ProVider Plus and MetLife Salary Saver AH8-96. With respect to the MetLife quote that I received, I'm curious whether anyone has views on the following "total disability" definition: "Total disability means that as a result of injury or sickness, you are unable to perform with reasonable continuity the substantial and material acts necessary to pursue your usual occupation in the usual or customary way". This definition doesn't seem as strong as the gold standard Guar...
by reykim
Thu Mar 29, 2012 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice for Unemployed Lawyer
Replies: 50
Views: 8962

Re: Career Advice for Unemployed Lawyer

Some other alternative legal-related careers that I don't think anyone else has mentioned yet include paralegal, law librarian, or sales rep for a Westlaw or Lexis.
by reykim
Thu Mar 29, 2012 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 33
Views: 6694

Re: Disability Insurance

Correct, CA is one of 5 states that it's not approved in. There are several policies better than Protector+ in CA. I'm curious as to what the several better policies are. I'm in CA, and the quotes that my agent pulled were for Standard Protector+, Guardian ProVider Plus and MetLife Salary Saver AH8-96. With respect to the MetLife quote that I received, I'm curious whether anyone has views on the following "total disability" definition: "Total disability means that as a result of injury or sickness, you are unable to perform with reasonable continuity the substantial and material acts necessary to pursue your usual occupation in the usual or customary way". This definition doesn't seem as strong as the gold standard Guar...