Alex LawrenceFinancial Advisor · Oakwater Advisors986-224-0839

Disability quote for physician assistants

Your income is your biggest asset. Let’s price protecting it.

Answer five short sections to see how much of your income you could protect, then request your quotes. No Social Security number and no health questions here. Your contact info and answers go to Alex so he can follow up with quotes.

1About you
2Your work
3Income
4Coverage you have
5What you want

1About you

Insurers price disability coverage by age, sex, state and nicotine use.

Age 18 to 64

State you live in

Sex

Nicotine in the last 12 months?

2Your work

Your specialty and how you’re paid shape the definition of disability you can get.

Specialty

Where you practice

How you’re paid

3Income

Insurers base your benefit on earned income. Use last year’s numbers or your current contract.

Base salary Per year, before taxes

Bonus, locums or side income Per year, optional

4Coverage you have

Most employers offer group long-term disability. Your benefits guide lists the details.

Do you have group disability through work?

Percent of salary it pays

Monthly maximum

Who pays the premium?

Individual policy you already own Monthly benefit, if any

5What you want

Not sure? The defaults are what most PAs start with. Alex will quote options either way.

Pay benefits until

Waiting period before benefits start

Features to include in your quote

Own-occupationCan pay if you can’t work as a PA in your specialty, even if you could work another job.

Partial disabilityPays part of your benefit if you can work, but less.

Future increase optionBuy more coverage as your income grows, without new health questions.

Cost-of-living adjustmentBenefits rise with inflation during a long claim.

Request your quotes

Where should Alex send your quotes?

Add your contact info, then pick a time for a call. Your quote details go along with your booking, so Alex can shop carriers before you talk.

Full name

Phone

When you select Request my quotes, Alex receives your name, phone, email and quote details so he can shop carriers before your call.

Request my quotes

Rather email or text? Paste your request to alex@oakwateradvisors.com or 986-224-0839.

Get your quotesAlex shops multiple insurers and walks you through the options on your call.
Apply with the insurer you chooseHealth and personal details go through that insurer’s own secure application, never this page.
Review and signYou review everything and sign before anything goes to the insurer.

Rather talk it through?

Book a call. We’ll look at your group coverage and what an individual policy would add.

Book a call

Estimates are for education only and are not a quote, an application or an offer of coverage. Insurers typically limit total disability benefits to roughly 60% of earned income, and the exact limit varies by carrier, income and state. Group benefits paid for by your employer or with pre-tax dollars are generally taxable; benefits from an individual policy you pay for with after-tax dollars are generally income-tax free. Coverage, features and premiums are set by the insurance company after underwriting. Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Insurance products are issued by the insurance company you choose. Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC. Oakwater Advisors is not an affiliate of OneAmerica Securities or the companies of OneAmerica Financial and is not a broker dealer or Registered Investment Advisor. Check Alex’s background on FINRA’s BrokerCheck.