Review your fixed overhead exposure to disability

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

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 Medical Economics Send your practice management questions to Also engage at and