Your disability insurance checklist

You've worked hard to get through medical school, gone on to specialize, and now you need to protect one of your most important assets: your income stream.

The following tips will help you be a smart shopper and buy the right coverage with all the bells and whistles you need to protect all you have worked so hard to achieve.

Happy hunting and make sure that when disability strikes, you get paid!

Frank N. Darras is managing partner of Shernoff, Bidart & Darras LLP, in Ontario, CA. He heads the firm's disability, long-term care, and life insurance department. Frequently singled out as one of Americas' leading plaintiffs' lawyers, Darras not only represents a who's who of celebrity clients, but also takes on numerous pro bono cases.