Hi, I’m Brian Bronson. I’m back with another  Quatrini Law Group, Legal Tip Tuesday. So doctors, physician assistants, nurse practitioners  all have jobs which are difficult. They’re difficult mentally. They’re difficult physically.  Some of our providers are chiropractors. You can think of them as physical laborers our nurses  as physical laborers. So, how do those people obtain benefits if they get injured? If they have  a disability, if they have a medical condition? Let’s say that they established have a  diagnosis of MS. What do they do? Well, one, they have to make sure they have a policy. A lot  of our providers, when they’re in medical school

or in nursing school, are approached to obtain  a policy. This is the best time to get a policy. Most policies have limitations on what conditions  can be covered. And although they’re generally liberal about pre-existing conditions, if you  have a condition when you’re getting a policy, it can be more expensive to obtain a policy.  So when you’re young, when you don’t have a lot of diagnosis, that’s the time to get a policy. A  lot of providers also will move from organization to organization, and I can tell you this: if  you have a private policy which you’re paying for and a private policy be a policy that you  bought on the open market rather than one that was provided by an employer, you can port that  policy. You can take it with you from employer to employer for your whole career. And usually the  policy that you can buy individually on the open

market is going to be better than what a hospital  system or a group employer will provide to you. So by having your own policy, having that with you  and taking that from place to place, and getting that at an early age, you can ensure that you  are protected for the instance where you become disabled, injured, or temporarily disabled, and  we would encourage our providers out there that we do rely upon. We appreciate you. And because  we appreciate you, please go out and get a policy if you don’t have one. If you have a group policy  and you’d like us to review it for you, or if you have an individual policy you haven’t looked at  for years and just been paying the premiums on and don’t know what it says. We’re here to sit  down with you, go over that policy, see whether or not there should be some changes made to that  policy. See whether or not that policy adequately provides you with the protection you need. So a  lot of us, when we 1st come out of school, don’t make as much money as we think we’re going to make  when we first become lawyers or doctors or nurses. We have a starting salary, and then, over the  years, our salaries build up. Does your policy protect you for your new increased salary, or  is it protecting you for the for the low income you had whenever you first come out of school?  We don’t know unless we look at your policy. So bring the policy, and we’ll take a look at it  for you. This was your Legal Tip Tuesday. Thanks.