Online Continuing Education - Is It Right for You?

There are many reasons students choose to continue their education online. But, is it right for everyone? Research says no. Not everyone can handle online courses. Some individuals need to be sitting in a classroom to succeed. There are many factors to consider when you are deciding what program to choose. Many professions require continuing education to be done online for many reasons. They feel you receive the same education online as if you were sitting in a classroom. For the most part the content the student is learning is the same whether they complete the course online or in a classroom. In this article we will talk about some different characteristics of online courses and classroom courses so you can better decide what the best option is for you.

First, let's start with some pros and cons of taking a course in a classroom. One of the major benefits is the interaction you have with your professor/instructor and your fellow classmates. The majority of students really appreciate this because they can bounce ideas off of each other and participate in a live lecture. They are also able to ask the instructor questions and receive an immediate response. A major con to sitting in a classroom is having to drive to the physical location and sit in a lecture/seminar for a specific amount of time. This eliminates the flexibility and convenience that an online course offers.

Now, let's talk about online continuing education courses. A major con to taking courses online is there is typically no live interaction with any of the other students or the professor. This can be a huge downside if you are having trouble in one of the courses. You have to rely strictly on email and sometimes that is just not enough. Hopefully your instructor is available via telephone or live chat so they can walk you through the problem. On the upside, online courses can be completed from the comfort of your home or office at anytime during the day. Many professionals and adult learners really appreciate this since their schedules are typically slammed.

As you can see, there are some positive and negative characteristics when taking online courses. You have to weigh the pros and cons to decide what the best method is for you. Also, consider the course content and how familiar you are with it. Is it professional continuing education that you know or a completely new subject to you?

Insurance Continuing Education Online - Professional Disability Coverage

Professional Disability Insurance



What It Is



So-called professional disability income insurance can address a combination of business and personal needs since the professional person's work is the source of income that pays for both business and personal expenses. For insurance purposes, professional DI policies are those written for people in certain occupations that generate incomes over 0,000 annually. Insurers write professional policies for individuals who need income replacement in the range of ,000 to ,000 per month. Since not every insurance company is willing to provide monthly benefits in these amounts, you will want to locate those that do in order to serve this market.



Income, however, is not the only characteristic that defines this group. Eligibility is generally restricted to professionals who are independent and self-employed, but highly compensated executive employees might also be considered.

Typical occupations acceptable for professional DI insurance includes physicians and other health professionals such as dentists, optometrists, psychiatrists and pharmacists; lawyers: accountants; engineers; architects; and some executives, generally PhDs or those who are otherwise highly educated. This is just a sampling of eligible occupations. The companies you represent provide a complete list of occupations they will consider for professional DI policies.



Aside from the large dollar benefits involved, professional DI policies operate essentially like any other individual policy. As indicated in an earlier chapter, professionals are eligible for the most liberal benefits of any occupational group. Chapter Eight of this text discusses the various occupational classes more fully. Because of the high incomes involved, one of the major differences between writing professional DI policies and others is that social insurance benefits are not large enough in comparison to actual earnings to interfere with the income replacement calculations and cause over insurance problems.



The Key to the Professional's Livelihood



Reading the list of typical professional occupations above, you can see that these are people who provide vital services for society and who are frequently self-employed. Performing these services is the key to the professional person's livelihood. The inability to earn income by performing these services affects not only personal finances, but also the very life of the business itself since it is those services that keep the business operating.



Consider, for example, a self-employed physician, operating without partners and employing a small staff. If this individual is unable to work, first of all, no income is generated to pay for personal expenses. Second, no income is generated to continue the medical practice by paying ongoing business expenses, including a substitute physician to see the disabled doctor's patients. If a medical practice shuts down temporarily, patients must look elsewhere for services and there's no guarantee they will return even if the disabled physician recovers. The physician is likely to suffer a double loss: current loss of income and loss of the business he or she might have spent years building. There is no substitute for disability insurance to overcome these problems. Later you'll also learn about some specialized disability policies that address ways to keep a business intact during the disability of someone whose active working presence is key to the business.