Q: What should I consider when evaluating disability insurance policies?

But suppose it's just two physicians in a dual practice. The burden of carrying a disabled colleague could be great. Physicians are like everyone else when it comes to denial of responsibility, too. How long do you wait to replace a temporarily disabled colleague? A year? More?  

Answers to readers' questions were provided by Judy Bee, Practice Performance Group, La Jolla, California. She is also an editorial consultant for 

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Practice Management

One of the worst-case scenarios for any physician is facing a disability. Find out what you can do to help minimize potential disruptions.