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NOV 2021 Navy Medicine Fast Facts
Here is an informative PDF file that summarizes all that Navy Medicine has to offer:
November Sailor-to-Sailor Newsletter
Shipmates,
The November Sailor-to-Sailor newsletter is here! This month, we spotlight updates to opportunities for enlisted women in the Submarines community, the publication of the new MILPERSMAN and how it impacts the administration of limited duty, we take look at Warrior Toughness in the fleet, and details on the COVID-19 vaccine mandate.
Here’s a link to the newsletter: https://go.usa.gov/xeZeH
Other stories in this month’s edition include:
– CNRC’s Plans for force-Wide Efficiency, Mobility and Recruiter Agility
– Signature Behaviors Highlighted During COE Month
– Application Deadlines set for NETC’s Alaska Sea Services Scholarship
Again, here’s the link to the newsletter: https://go.usa.gov/xeZeH
If you have questions or comments about the newsletter, you can reach us at MyNavyHR@navy.mil or on our social media properties @MyNavyHR on Facebook, Twitter and Instagram to have their voices heard.
V/r,
MyNavy HR
I’m on the WarDocs Podcast!
Here are the links:
Apple – https://podcasts.apple.com/us/podcast/wardocs-the-military-medicine-podcast/id1574361588
Spotify – https://open.spotify.com/episode/23mPPi7Qdlg6SJPB0vQRdl?si=Vb_dQictRUKkmHja8bQzbg
Here is the episode summary:
Dr. Schofer currently serves as the Deputy Chief of the Medical Corps (MC) at the Navy Bureau of Medicine and Surgery (BUMED).
In this episode Dr. Schofer shares his insights and stories from deployed experiences from OEF/OIF both as a General Medical Officer and later as an Emergency Medicine physician aboard the USS Pearl Harbor supporting the 15th Marine Expeditionary Unit. He has extensive experience as a senior Navy Medicine leader in multiple advisory roles and he describes the many tools he has created to support Navy MC officers development and promotion such as a podcast, a blog and a website http://www.MCCareer.org that already has over a million unique hits.
He describes his experience as the Commander of the Joint Medical Group and Joint Task Force Surgeon at GTMO and he shares what he learned as a NATO representative for the US on an Emergency Medicine expert panel.
At the end of the podcast there is a special bonus segment for Navy MC officers that covers some important advice about professional military education for military physicians. He also relates some of his experiences in Navy Medicine obtaining an MBA degree and becoming a Certified Physician Executive. Lot of pearls- Don’t miss it!
Find out more about Dr. Schofer at wardocspodcast.com/guest-bios and visit our webpage and become part of Team WarDocs at wardocspodcast.com.
1,000,000 Page Views of MCCareer.org!
In the last 24 hours we crossed a milestone of 1,000,000 page views at MCCareer.org:
Here is a visual of the page views and growth of the blog since I started it in 2015:
Thanks to all the readers out there. I’ll keep doing this as long as I can, and let’s hope we hit 2,000,000 one day!
COVID Impact on Life and Disability Insurance for Military Physicians – One Year Later
Like seemingly everything else, the insurance industry has been forced to adapt since the onset of the COVID pandemic in March 2020. Most, if not all the major companies have allowed their employees to work from home. Despite the technological advances that made this possible, processing of all the tasks required to maintain a major company were delayed dramatically. The underwriting of applications and the claims process took twice as long. Fortunately, that is all behind us as the insurance industry has implemented the new technology to make it easier and quicker than ever to obtain coverage. Due to the increase in claims and the insurance companies’ expertise in risk management, we expect some rate increases in the future so now is the time to lock in your protection for both life and disability insurance. One thing that hasn’t changed is the difficulty in obtaining coverage for applicants with orders to deploy outside the US. Coverage is typically postponed if you have orders for deployment outside the US, so it is advisable to obtain coverage before receiving new orders.
The pandemic has accelerated the implementation of digital processes that have streamlined the underwriting process and eliminated physical human contact. It wasn’t that long ago when all applicants had to schedule a time for a stranger to show up at their home or office to stick them with a needle and ask invasive medical questions. Now, an applicant can apply for disability and life insurance coverage using online applications which can be completed anytime on either a phone or computer. This is possible now because insurance companies have adapted to utilizing 3rd party data that when taken as a whole, provides a more than sufficient and accurate picture of morbidity/mortality risk than a medical exam provides.
Now, military physicians can obtain up to $3,000,000 of life insurance and up to $10,000/month of disability insurance without a medical exam up to age 50. The medical history application can be completed electronically. Some companies will even approve a qualified applicant almost immediately for life insurance
Contrary to what you may have heard, the only standardized exclusion for life insurance is suicide for the first two policy years. Death as the result of war or military service is covered. There may be specific exclusions added due to avocations such as mountain climbing, piloting, etc.
For disability insurance, the 25% discount for military physicians is still available from knowledgeable and experienced brokers. This discount is not widely available to civilian physicians in practice so waiting to obtain coverage until after you separate from the military means that you will pay higher rates. Not to mention that your military records and VA disability process may contain adverse information that could result in a declination or other adverse underwriting decisions. Also, since rates are based on age, you will pay a higher rate due to being older. Each year you wait to establish coverage results in a minimum of an approximate 5% increase in premium. We calculate that you will pay approximately two full years more premium for each year you delay establishing coverage.
Thank you for your service and dedication. For specific questions please contact us via email below. You can also obtain more information and request personalized life/disability quotes by visiting:
Physician Disability Insurance Quote Comparison
Andy G. Borgia CLU – andyb@di4mds.com D.K. Unger – dku@di4mds.com
Joel Schofer's Career Planning Blog 