Scott, about a hundred years ago a friend of mine had an office (size of a broom closet) in Chattanooga Erlanger hospital. He was their "benefit specialist".
He sat in the office 5 days a week. New employees and seasoned would stop by. He did a five minute spiel on how their benefits worked and pointed out they had STD but not LTD.
Most carriers would not write medical workers LTD policies but he had one, Northwestern National maybe, that would. He wrote a lot of LTD and life insurance on those folks.
The hospital was maybe 2 miles away from Provident Life who was at that time a major writer of LTD.
He sat in the office 5 days a week. New employees and seasoned would stop by. He did a five minute spiel on how their benefits worked and pointed out they had STD but not LTD.
Most carriers would not write medical workers LTD policies but he had one, Northwestern National maybe, that would. He wrote a lot of LTD and life insurance on those folks.
The hospital was maybe 2 miles away from Provident Life who was at that time a major writer of LTD.