Regulatory, Tax & Underwriting Disclosure
PhysicianAudit is an independent quantitative modeling platform and is not a licensed insurance carrier, mortgage lender, law firm, or CPA practice. All calculations—including IRC § 104(a)(3) disability benefit taxation, IRS Revenue Ruling 55-264 business overhead deductibility, portfolio mortgage Debt-to-Income (DTI) waivers, INA § 212(e) / § 214(l) Conrad 30 visa rules, and claims-made Extended Reporting Endorsement (tail) multipliers—are provided strictly for educational and contract-evaluation purposes. Carrier underwriting guidelines, issue limits, and state-specific policy filings vary. Always review your official Summary Plan Description (SPD), policy specimen, and employment contract with qualified legal, tax, and licensed underwriting professionals before binding coverage or executing agreements.
