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Disability Insurance – What is it and do you need it?

After a long week of seeing patients and dealing with endless paperwork, Sarah, an Ob/Gyn physician, was looking forward to a long relaxing bike ride on Saturday morning in hopes of leaving all her workplace stress behind in exchange for warm sunshine on her back and a refreshing breeze in her face.  The winter had been cold and dreary the past several months and she was excited that spring had finally arrived.  Unfortunately, the tranquil begin of this day would not be how it would end.

Sarah planned to ride from her house to the local bike path where she’d head west away from the hustle and bustle of the city and into the scenic quiet countryside.  One of the things Sarah hated was having to ride on busy roads to get to the bike path, but it seemed like a waste of time and energy to load her bike on her car to drive two short miles to the trailhead. 

On what felt like a picture-perfect day with sunny skies, temps in the low 70s, and almost no wind, Sarah...

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