The greatest financial risk for physicians is losing the ability to turn the knowledge and skills you spent a decade learning into a huge pile of money by working in your profession for decades. There are risks that could show up in your life that would prevent you from being able to accomplish this task. One of the most common of these risks is an extended or even permanent disability. Insurance companies estimate that as many as one in seven doctors will be disabled at some point during their career. While many imagine this will occur in a sudden traumatic accident, medical illness is actually a more common cause of disability that prevents a doctor from working. Physician disability is a complicated type of insurance. This post will give you the “must-know” information to secure the best protection and help you avoid common disability insurance mistakes.

TL;DR: Key Takeaways: What Doctors Need to Know About Disability Insurance

1. The best Disability Insurance policy is an individual, portable, own-occupation, specialty-specific policy.
2. Purchase disability insurance from an independent agent who can show you policies from all of the major companies. We have a list of recommended Disability Insurance agents used by thousands of white coat investors each year.
3. Buy as much disability insurance as they are willing to sell you as a resident. Include a future purchase option (sometimes called a “benefit purchase rider” or “future increase option”) and a cost of living disability insurance rider.
4. As an attending, increase your coverage to cover both your living expenses and retirement savings if you were to work to age 65.
5. You may get sticker shock, but the reason disability insurance is expensive is that it actually gets used. Slightly more than 1 out of 4 adults will experience a disability before they retire. Physician disability insurance agents often use a figure of 1 out of 7 doctors actually using the disability insurance they purchase. Whatever the true statistic may be, it's certainly high enough to insure against.

Do not take the risk of not having disability insurance.

What Is Disability Insurance?

Disability insurance gives you an income to live on if you become so disabled that you can no longer work.
If you become disabled, a long-term disability insurance policy pays a predetermined amount each month until you either recover from your disability or reach age 65-67. (Note: Policies vary. It is possible to buy a policy that pays to age 70 or even, for a very high premium, until death).

Why Do Physicians Need Disability Insurance?

One out of seven doctors end up having to use their disability insurance. Losing the ability to turn the knowledge and skills you spent a decade learning into a pile of money by working in your profession for decades is one of the most expensive risks that physicians face. Your most valuable asset is your ability to work.

How Does Disability Insurance Work?

Disability insurance is a pretty straightforward proposition. You buy a policy and pay your premium monthly or annually. If you become disabled, you (and your doctor) fill out the paperwork to prove it to the satisfaction of the insurance company and then they pay you the promised monthly benefit until you either recover from your disability or the insurance company meets its contractual obligation to pay the benefit.

Short-Term vs. Long-Term Disability

Disability insurance is most commonly divided into short-term and long-term.

Short-Term Disability

A short-term disability policy generally begins paying just as soon as you get disabled and then pays for a maximum period of 3-24 months. These policies are often provided by an employer as an employee benefit. Short-term disability, while inconvenient financially, is not generally a financial catastrophe for a physician saving for retirement with an emergency fund. As a result, many doctors do not buy short-term disability policies at all.

Long-Term Disability

A long-term disability policy generally does not pay immediately, but only begins to pay after a waiting period ranging from 1-24 months (typically 3 months). Then, the policy will continue to pay you a benefit each month until age 65, 67, or 70, depending on the policy. Note that a 3 month waiting period typically means your first check won't come until the end of the first month after the 3 months, so it's really a 4 month waiting period. Since losing your ability to earn a living for the rest of your life is a financial catastrophe, any doctor who is not financially independent should buy a long-term disability insurance policy.

What Does Disability Insurance Cover?

Disability insurance covers all kinds of disabilities. The best (and unfortunately most expensive) policies cover the widest range of potential disabilities.

The Definition of Disability

The most important feature is the definition of disability. Disability insurance differs from life insurance in numerous ways, but none is more significant than in defining exactly when you become disabled (and when you become enabled again). The broader the definition of disability you get in your policy, the more the policy will cost.
Unlike life insurance, where life and death are pretty black and white, disability has 50 shades of gray. You want a policy with a strong, broad definition of disability that will cover any possible type of disability? That means “true own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others. Even among the “Big 5,” there are slight differences. It is OK not to purchase the policy with the very best definition of disability, but the weaker the definition, the bigger the discount you should expect.

Own-Occupation, Specialty-Specific

Probably the most important aspect of the definition for doctors is that it be specific to your occupation. For instance, if I lost my left thumb, there are a number of procedures in emergency medicine that I could no longer do. I would be completely disabled from managing a busy emergency department by myself. But I could probably still go do urgent care work. A specialty-specific definition of disability in my policy would provide me with my full disability payments in addition to the money I make at the urgent care. Sometimes, the “specialty-specific” clause is inherent to the policy, and at other times it is an additional rider (a piece of paper added to the policy for which you pay an additional premium). Either way, you almost surely want to get this in your policy. Here are the various definitions, starting with own occupation and progressing to any occupation.

Own-Occupation Definition

Under this definition, your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field and make as much money as you want.
Own-occupation policies cover people based on the occupational duties they are performing at the time of claim. If your policy includes an own-occupation definition of total disability and you are exclusively performing the customary duties of your medical specialty or sub-specialty at the time of the claim, the policy will cover you when unable to perform your specialty or sub-specialty. If you have transitioned into a different role or expanded into a new career path that requires much less direct patient contact or procedural duties, you may no longer be considered totally disabled when unable to work in your specialty or sub-specialty. This is because your “occupation(s)” involves additional material and substantial duties, no longer limited to the performance of your medical specialty or sub-specialty. In these instances, you may be considered partially disabled or not disabled at all, depending on the exact circumstances.

Transitional Own-Occupation

Your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field. But if you exceed your previous income while you now work in another field, your monthly benefit from the policy would likely be lowered.

Modified Own-Occupation

Your policy will only pay if you can't work in your occupation/specialty AND if you are not working in another field. This definition is also sometimes called “Own-Occupation, Not Engaged” or “Own-Occupation, Not Working.”

Any-Occupation

Your policy will only pay if you cannot work in any occupation based on education, training or experience. Note that some policies are own-occupation for a couple of years and then transition to any-occupation.
One company out there (Northwestern Mutual) sells a policy with a definition that they claim is BETTER than own-occupation. They call it Medical Own-Occupation, but in reality, it is just a form of modified own-occupation. Learn more about the NML Medical Own-Occupation Definition.

Do You Really Need an Own-Occupation, Specialty-Specific Policy?

Some non-procedural physicians argue that they might not need a true own-occupation policy. They reason that if they are so disabled that they cannot practice their specialty, they probably cannot do anything else. So, they accept a less broad definition of disability to save some dollars on the premium. If you choose to do this, make sure you understand the exact circumstances under which your policy will and will not pay out.

Mental Disorders/Substance Abuse

Many policies will only cover mental illness or substance abuse-related disabilities for a period of two years. I know an attorney who couldn't practice law after developing bipolar syndrome in his 30s. It took over a decade to get it under control. He had a policy that covered mental illness indefinitely, which prevented financial catastrophe from striking him and his family.
According to the April 2011 issue of Current Psychiatry Magazine, physicians are not immune to depression and have an increased risk of suicide. Additionally, the lack of distinction between a psychiatric diagnosis and impairment stigmatizes physicians and impedes treatment.
You'll need to decide whether this is a risk you're willing to run. If you want mental illness covered like every other illness, you'll be paying more.

Presumptive Total Disability

As you well know, disability can be defined in many shades of gray. In the event of your disability, you can expect a paperwork fight between you, your physician, the disability insurance company, and maybe even your attorney. However, most policies contain a section that defines “presumptive total disability” where you can be assured there won't be much arguing from the insurance company. Even better, the waiting period will be waived and you'll start getting payments right away.
Anything short of that, and you're going to have to get your doctor to certify your disability and get the insurance company to accept it. At times, this can involve visits to multiple specialists and even hiring an attorney. Note that with some companies, presumptive disability does not need to be permanent.

Cosmetic Surgery/Transplant Surgery

Some policies will cover you if your disability is the result of cosmetic surgery or the result of donating a kidney or other body part to someone else. Others will not. Best to read your policy carefully and know what it does and does not cover.

Disability Insurance Exclusions & Limitations

Disability insurance policies generally exclude any medical conditions you have at the time of applying for insurance. For example, if you already have chronic back pain, the policy will not provide a benefit if you are disabled due to a back condition. In addition, if you admit to participating in dangerous activities such as scuba diving, rock climbing, flying, and sky-diving, the policy will likely be issued with a rider that excludes those activities from coverage. Other exclusions may also apply, such as acts of war, normal pregnancy, and foreign travel. Here is a list of common exclusions:

• War or Act of War (this could probably be interpreted pretty broadly)
• Active Military Duty (having served, this is pretty stupid since 95%+ of our military folks are never in any kind of serious danger of being hurt by a combatant)
• Normal Pregnancy (don't want to work because you're eight months pregnant? Don't bother trying to get disability benefits for that)
• Foreign Travel (varies by policy, but many don't cover you during that European vacation, much less that humanitarian trip to Sudan—read the fine print)
• Mental/Nervous Disorder (many companies limit benefits to two years, where they might pay for “physical” disorders until you're 65 years old)
• Medical Exclusions (any medical conditions you have at the time the policy is issued will likely be excluded, meaning if you have heart disease at the time of issuance and it leads to you being disabled five years later, the policy isn't going to pay. Again, apply when you are young and healthy and/or when you haven't had medical problems for several years to minimize this.)

Residual Disability

Residual disability refers to being only partially disabled. This may occur from the initial injury or illness or be part of the process of recovery. You generally need to buy an additional rider to cover this. Read this rider carefully, it can be a bit complicated.
Imagine developing painful lumbar radiculopathy that keeps you from working more than 20 hours a week. This is the part of your policy that will cover that. This rider will also explain how much you get if you are partially disabled. My old policy says it pays the whole benefit (total disability) if I can't earn at least 20% of my “indexed prior monthly earnings,” which is basically the money I earn at my job. It doesn't count my investments, other disability income policies, rent from a rental property, or my nonvocational activities. It doesn't pay anything if my earnings aren't reduced at least 20%. If I am making between 20%-80% of what I made previously, I get the total disability benefit times the ratio of my loss of income for that month divided by my indexed prior monthly earnings. Note that with some companies, the partial disability rider will kick in at 15%.
Some contracts use “or” in the contract and others use “and” in the contracxt. For instance, a stronger policy would trigger the partial disability rider if you had a loss of income or a loss of time or a loss of duty whereas a weaker contract would require loss of income and loss of time and loss of duty where all of those triggers must be met.

Partial Disability vs. Residual Disability

Partial disability and residual disability are generally considered to be the same thing, but there is a technical difference at some companies. For example, at one company, a partial disability rider requires total disability during the elimination period and the residual disability rider does not. With another company, partial refers to the disability, such as one that only affects one part of the body (such as one arm), while residual refers to a decrease in earnings. Either way, the key is to understand how the residual/partial rider works in the policy you actually purchase.

Recovery Benefits

A physician should consider a contract that will continuing paying them a portion of their benefits upon recovery from a disability if their income continues to be down at least 15%-20%. Most carriers will pay a recovery benefit for the benefit period although one only pays for 12 months. This is especially important for practice owners. Think if a dentist were to be disabled for 6 months and then recovers and goes back to their practice. Many of their patients may have gone elsewhere because the dentist sees his patients twice a year. It could take several years to get back to where he/she was at before becoming disabled.

Recommendations for Physicians on Disability Insurance Riders

Here's an easy cheat card to help you know at a glance what we think about all of the various riders available.
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Who Needs Disability Insurance?

Nearly every high-income professional in their first decade or two out of school should own a policy. Your most valuable asset is your ability to work. So, if you do not own a disability insurance policy, you need to go get one, now. If you have an income, it's time to buy a policy, even if money is tight as a resident. The only exception is if you do not rely on your income to live. If you are already financially independent, it's OK not to buy disability insurance. However, even if you are frugal and married to another high earner, you may wish to still have a policy. You could both become disabled, or you could become divorced.

How Much Physician Disability Insurance Do I Need?

As a resident, you typically cannot afford to buy as much as you need, but you should be able to do so even as a brand-new attending. Basically, you need to buy enough disability insurance to cover both your living expenses and your retirement savings if you were to work to age 65 but not your taxes. Physician disability insurance payouts are generally tax-free since they are usually paid with post-tax dollars.
Note that how much you need has little to do with your income and everything to do with what you spend. The less you spend, the less insurance you need to buy. Insurance agents would love to sell you the largest possible policy (which usually works out to be about 2/3 of your gross income, but it is possible to combine two companies to get even more), so you'll need to decide how much you need on your own. Resident physicians typically buy a $5,000 per month benefit and attending physicians typically buy a benefit in the $10,000-$15,000 per month range, but there are plenty of docs who buy both more and less. If your plan in the event of disability is to rely on the income of your spouse, you may not need disability insurance at all.

Average Cost of Disability Insurance for Physicians

Unlike cheaper insurance policies like term life and umbrella policies, physician disability insurance is expensive, although not quite as expensive as your malpractice insurance. The reason it costs so much is it actually gets used. The likelihood of you acquiring a long-term disability during your working years is approximately seven times as high as your risk of dying in those years. A typical policy bought on a healthy doc in their 20s or 30s will cost something between 2%-6% of the benefit. If your monthly benefit is $10,000, expect to spend $200-$600 per month for that. Perhaps the sticker shock you get upon being quoted prices will motivate you to reach financial independence as soon as possible so you can cancel the policy.

Graded vs. Level Premiums

One way to save money on your policy is to get graded premiums. Not all policies offer this feature, but those that do will charge you less in the first few years and more in later years. Level premium policies charge you the same amount in premium every year. A graded premium policy accounts for the fact that you become more likely to become disabled as you go through life. However, it can be very beneficial to you because your need for insurance actually falls continually throughout your career as your build your retirement nest egg.
Once you become financially independent, you can drop the insurance completely. This is a good idea since the total benefits a policy could potentially pay are also dropping throughout your life (since the policy will generally only pay until you are in your mid- to late-60s). Many white coat investors who are great savers hit financial independence by mid-career. If you are one of those, you are likely to come out ahead using graded premiums instead of level premiums.

What Disability Insurance Discounts Are Available for Doctors?

Like other types of insurance, disability insurance is sold by agents who are paid commissions by the insurance companies to sell their products. It is a very competitive business. The insurance companies want agents, especially the independent agents you should be buying from, to preferentially sell their products. To incentivize the agents, they offer discounts that are only available through certain agents. Experienced, high-volume agents can often provide you with the same policy at a cheaper rate than a newer, lower-volume agent. Thus, it pays to use an experienced agent and shop around with two or three of them. Nearly every doctor should qualify for some type of discount on their policy—10%-30% premium discounts are not unusual. Types of discounts include:

• Unisex discounts
• Student/Resident/Fellow discounts
• Multi-life institution discounts
• Guaranteed Standard Issue (GSI) institution discounts
• Association discounts

Learn more about physician disability insurance discounts.

How Do I Buy Disability Insurance?

The key to physician disability insurance is the independent agent. The agent is going to be paid a great commission by the insurance company no matter which policy you choose. Assuming policies with similar benefits, the commission isn't going to be all that different. Plus, these agents get plenty of business and none of them are starving, so they have little incentive to sell you an inferior policy for a slightly higher commission. Their reputation is worth far more than a few extra dollars in commission. Since you are (indirectly) paying the agent a very nice commission, don't feel bad about using their time and expertise to fully understand this complicated product.
For most doctors, this is a purchase that is only done once or twice in their life. Have the agent quote you different physician disability policies from each of the “Big 5” companies and show you the strengths and weaknesses of each. If you have a policy from work or your professional association, bring it in with you and have it included in the comparison. Then, you can know you made an educated decision and you can buy it and forget about it. Also, be sure to ask for a discount. The vast majority of doctors will qualify for a 5%-30% association or employer-related discount, and a top-notch agent will help you get that.

What Type of Disability Insurance Should I Buy?

There are two main types of disability policies: individual policies and group policies. As a general rule, individual policies have stronger definitions of disability. Many group policies are not own-occupation policies. Individual policies are also portable, in that you can change jobs and take them with you.

Individual Disability Policy

There are a number of benefits of an individual policy. The main one is that you are in control of all the details. You get to choose how much insurance you want to pay for. You get to choose which of the bells and whistles you are going to pay for. The policy is also “portable,” meaning you still have it if you change employers (or if your employer just decides to change the policy). As a general rule, the policy is also “stronger,” meaning it is more likely to actually pay you if you get disabled.

Group Disability Policy

A group policy provided by your employer is usually not portable, although sometimes you are allowed to take over the entire premium and take it with you. Group policies also frequently have premiums that increase every year or every five years, whereas an individual policy usually has level premiums. Group policies paid for by your employer may also pay a taxable benefit, rather than the tax-free benefit provided by an individual policy. Aside from the lower cost, the main benefit of a group policy is that it may be easier to qualify for. It may not require any sort of medical exam or blood work, and it may not ask any pesky questions about your medical conditions and dangerous hobbies such as rock climbing, skydiving, scuba diving, or flying.

How to Compare Disability Insurance Policies

The most important feature is the definition of disability. You want a policy with a strong, broad definition of disability that will cover any possible type of disability. That usually means “own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others.
Since disability is complicated, disability insurance policies are complicated. There are dozens of differences from one policy to another, making them difficult to compare. Use your independent agent for recommendations on what matters most. Just for an example, take a look at this chart of all the differences you could see between one policy and another.

When to Buy Disability Insurance?

You should buy disability insurance just before you become disabled. Since you don't know when that time could be, earlier is generally better. However, disability insurance is also expensive, and when you are young and poor, you have lots of other great uses for your money. A good compromise is to buy a small policy as you enter residency and then upgrade to a more robust disability insurance plan just before leaving residency. The younger you are, the healthier you are, and the fewer dangerous hobbies you engage in, the cheaper your premiums will be for the same benefit.

Best Disability Insurance for Physicians

I keep a list of those I consider the best disability insurance agents in the country. Save yourself the work of finding a good one you can trust and use the same agents that have been used by thousands of WCI readers in the past. You do not need someone local that you can sit down across the table from. It is better to have someone who has sold policies to hundreds of docs this year working with you by phone, Skype, Zoom, and email than someone you can sit down with who has only sold four policies. In addition, if there is some issue with one of these agents, I can usually help you resolve it quickly.
Information in this space rapidly changes. While we try to keep The White Coat Investor website as up-to-date as possible, our recommended agents are going to be our best source for updated information. I cannot emphasize how strongly I suggest you use them, whether buying your first policy or simply reviewing what you already have.

5 Free Teenage Driving Monitoring Apps Parents Will Love!

Parents, as your teen is going through the process of becoming a licensed driver, anxiety, and stress can consume you both. You worry about the dangers of distracted teenage driving and the reality of excessive speeding. But don't worry, we have a solution for you! In our article, "Free Teenage Driving Monitoring Apps," we will provide you with a list of apps that allow parents to track their teen drivers and promote safe driving habits. These apps offer both conventional and technological methods to help you monitor your teen driver's driving habits, making it easier for you to instill safe driving practices. Now, let's check out 5 free teenage driving monitoring apps designed to help you monitor your teen driver!
But first, if you want to track your teen driver, we suggest a dedicated monitoring solution like SpaceHawk:
Visit Website: https://spacehawkgps.com
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TrueMotion Family App

TrueMotion Family is a free driving safety app that tracks and reports on your family's driving behavior. It provides a full view of each family member's driving habits, including texting, phone use, aggressive driving, and speeding.
Key Features:

• Locate your teen driver and review their driving route.
• Monitor driving behaviors to see if your teen is texting or using the phone while driving.
• Create an 'app Family' with other family members and friends to encourage safe driving practices.
• Compare and rank driving behaviors within your family group.

Parents appreciate TrueMotion Family for its ability to give a comprehensive snapshot of driving safety. The app’s scoring system, which rates driving out of 100, helps identify and reduce risky driving behaviors. For added privacy, you can opt-out of sharing your location by adjusting the settings.
See what WCVB Channel 5 Boston had to say about this driving app.

MamaBear App

MamaBear is an app designed to give parents oversight of their teenagers' driving habits, an aspect of teen safety that's often a significant concern.
Key Features:

• Speed alerts notify you if your teen exceeds a set speed limit, such as 55 mph.
• Location tracking allows you to know where your teen is and if they've reached designated 'safe zones' like home or school.
• The app supports adding multiple children and guardians, making it suitable for families with several teen drivers.

Parents install MamaBear on their smartphones, add their teen's information, and customize alerts for speed and location. The app is compatible with both Android and iPhone, catering to different user preferences. The setup is straightforward, aiming to keep teens accountable for their driving without being overly intrusive.
Pros of MamaBear include its utility in monitoring teen driving speeds and ensuring they stick to safe zones. Teens can also view the family's locations, adding a layer of transparency. The app is free, with an optional paid version for detailed reports and additional tracking features.
Read what a parent had to say about this teen driving app by clicking here.

Hum by Verizon

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Hum by Verizon is a connected car system that enhances driving safety and convenience by keeping you informed about your car's condition and whereabouts.
Key Features:

• Real-time vehicle location tracking for monitoring your teen's driving.
• Diagnostic alerts let you know of any issues before they become bigger problems.
• Crash detection and 24/7 roadside assistance offer added peace of mind.
• Maintenance reminders keep you up-to-date on routine vehicle service needs.
• Access to expert mechanics provides professional advice on car issues and repairs.

Parents install the Hum system to ensure their teen's vehicle is running smoothly, reducing the chance of breakdowns or accidents due to car troubles. With Hum, you can understand your car's check engine light with straightforward explanations and get timely reminders for service needs.
Pros of Hum include its comprehensive safety features like pinpoint roadside assistance and crash detection. For parents with teen drivers, Hum provides a tool not only for tracking driving habits but also for ensuring the vehicle used is in top condition, potentially preventing incidents on the road.
See what real users had to say about Verizon Hum on Reddit.

RoadReady

RoadReady is a free mobile app that helps you monitor your new teen driver's progress and practice time. The app tracks your teen's driving hours and provides real-time progress reports. RoadReady also offers coaching tips and driving advice to help promote safe driving. Online reviews say the app has an easy-to-use interface.
Key Features:

• Simple tracking of driving hours at the click of a button.
• Educates on safe driving practices and helps monitor various driving conditions.
• Allows viewing and downloading summaries of driving sessions.
• Helps set clear goals and provides tips for parents to aid their teen's learning process.
• Enables editing of drive times and manual entry for past drives.

Parents can use RoadReady to ensure their teens are gaining the necessary experience behind the wheel. The free mobile app serves as a digital logbook, tracking progress, and identifying areas for improvement.
Pros of RoadReady include its focus on safety and education, as well as its convenience in consolidating driving logs. It also encourages sharing progress with friends and family, fostering a supportive learning environment for the teen driver. The app functions best with a strong GPS signal and internet connection, ensuring the most accurate tracking of driving practice.

OnMyWay

OnMyWay is a mobile app that rewards users for not texting while driving and provides roadside assistance. The app tracks your location while driving, and rewards you with OnMyWay Cash for every mile you drive without texting. According to the app's description on the Google Play Store, OnMyWay is heralded as the #1 mobile app for reducing distracted driving in the nation, with a claim of saving over 204 lives and preventing more than 31,319 car crashes.
Key Features:

• Engages automatically to curb phone use when driving faster than 10 MPH.
• Supports hands-free calls and pre-activated navigation and music applications.
• Rewards drivers with cash for miles driven without texting, with added earnings for safe driving by referrals.

Parents seeking to enhance their teens' driving safety can utilize OnMyWay, which ties financial incentives to undistracted driving. This app aligns with teenagers' tech-savvy nature, offering rewards that promote attentive driving.
Overall, these Free Teenage Driving Monitoring Apps can be helpful tools for parents to monitor their teen drivers and promote safe driving habits. However, it's important to remember that these apps should not replace proper driver education and safe driving practices. Parents should also have open and honest conversations with their teen drivers about the dangers of distracted driving and the importance of safe driving habits.
Learn more about this app by reading a review from This Online World.
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Teen Driving Safety - Why Parents Should Be Concerned

Conventional methods for improving teenage driving persist due to their proven practicality and effectiveness. As a parent, you naturally aim to protect your child, especially as they become a teen driver. Despite alarming statistics on teenage driving accidents, research highlights your crucial role in promoting safe driving. You can lead by example, demonstrating responsible driving behaviors. Establish a driving agreement with your teen, detailing acceptable and unacceptable behaviors. Ensure they practice driving for 30-50 hours in diverse conditions. This increases their chances of being a safe, responsible driver.
Still worried about your teen's driving safety? Consider technology solutions like GPS tracking and smartphone apps. These tools monitor and encourage positive driving habits. By installing a GPS tracker in your teen's car, you access vital data: speeds, destinations, and travel times. This information lets you assess their driving safety.
The CDC offers extensive, free resources on teen driving safety on their website. Safe driving is a communal responsibility. Your involvement is key to helping your teen become a safe driver. Remember, we're all in this together!
Related Content: Tips And Tricks For Nerves On Teen Driver Test
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Frequently Asked Questions

Are There Any Online Resources For Parents To Help Their Teens Learn To Drive?

Certainly, one resource worth considering is DriversEd.com. This site offers educational materials for teen and adult drivers, including practice tests and DMV guides. Parents might find it helpful for its no-cost educational content and flexible online study options, which can support a teen's learning at their own pace.

What Are The Benefits Of Using A Teen Driving App?

A driving app can help you monitor your new teen driver, track their driving habits, and promote safe driving practices. Many apps offer features like real-time location tracking, alerts for speeding and phone usage, and rewards for safe driving.

Can Teen Driving Apps Help Reduce Car Insurance Premiums?

Yes, some car insurers offer discounts for using driving apps to monitor your teen driver's behavior. Check with your car insurance provider to see if they offer any discounts or incentives.

Do I Need To Pay For A Teen Driving App?

That depends on what you want! Why? because there are both paid and free driving apps available. Some apps offer more features with a paid subscription, while others provide basic monitoring for free. Check the app's description and reviews to see what features are included with the free version.

What Other Resources Are Available For Promoting Safe Teen Driving Habits?

In addition to driving apps, there are many other resources available for promoting safe driving habits. These include defensive driving courses, driver training and education programs, and resources for distracted driving awareness. Check with your local driving school or DMV for more information.

Free Teenage Driving Monitoring Apps - Disclaimer

We, at Tracking System Direct, want to emphasize that the article "5 Free Teenage Driving Monitoring Apps" serves as an informative resource about various teenage driving monitoring apps. Our aim is to introduce these apps as tools for concerned parents and not to provide reviews or endorsements. We have no affiliations with the mentioned apps and have not received compensation for their inclusion. We encourage you to research and select the app that best suits your needs. While these apps can assist you in monitoring your teen drivers, they should not replace proper driver education and essential conversations between you and your teens about responsible driving practices. Safe driving is a shared responsibility within our communities, and we are dedicated to promoting it through informative resources like this article.
Some images in this article, "Free Teenage Driving Monitoring Apps" were generated using AI

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Highly Pathogenic Avian Influenza Preparedness and Resources
May 10, 2024 Member News
News of Highly Pathogenic Avian Influenza (HPAI) H5N1, commonly referred to as bird flu, is spreading across the country with concerns for animal-to-human transmission. The MHA and its partners are monitoring the situation closely with data and resources available:
HPAI was confirmed in Michigan on March 29, 2024, and has been detected within 10 cattle farms and six poultry facilities across the state. Only one human case of HPAI has been identified so far, in an individual in Texas, and transmission risk remains low risk to the general public.
Natasha Bagdasarian, chief medical executive for the State of Michigan, released a Public Health Bulletin on May 6 with information about the current situation, five action items and additional resources.
https://www.michigan.gov/mdhhs/-/media/Project/Websites/mdhhs/Keeping-Michigan-Healthy/Communicable-and-Chronic-Diseases/HPAI_Update_May_2024.pdf?rev=a6284d4fc3b24dda900f65003c4f69c3&hash=9608C91F32E4136A10B843113618AF8B
According to the USDA, commercial dairy products remain safe for consumption due to the pasteurization process. There is limited information available about whether HPAI can be transmitted through consumption of raw milk, however it is understood that unpasteurized milk can pose serious health risks to consumers due to the presence of other dangerous microorganisms such as Campylobacter, E. coli and Salmonella. The Michigan Department of Health and Human Services released a Raw Milk Risks document, which can be printed and shared.
Members should refer to the April 24 MI HAN “Clinical Recommendations: Highly Pathogenic Avian Influenza A(H5N1) Virus” for more information, as well as the April 5 CDC Health Advisory. Hospital infection prevention and control and infectious disease providers are encouraged to use the new HPAI Playbook released by the Association for Professionals in Infection Control and Epidemiology for additional information on identification, patient care, occupational health, outreach considerations and other supplemental resources.
Members with questions may contact Kelsey Ostergren at the MHA.

A grandmother who became a nurse so she could care for the wounded during World WAr II.
An uncle who used his skills as a carpenter to make wooden toys for children of little means and family support.
A mother who raised her family before starting a career of her own or a good friend who died too young.
Everyone knows someone who died, and if you’ve always wanted to create a heartfelt homage to this cherished departed soul, here’s your chance.
The Detroit Institute of Arts (DIA) has teamed up with the Consulate of Mexico in Detroit, the Southwest Detroit Business Association, and the Mexicantown Community Development Corporation (CDC), for the 12th annual Ofrendas: Celebrating el Día de Muertos exhibition and they’re looking for submissions.
Got an idea for a tribute to your loved one?
This annual event gives artists and community members a wonderful opportunity to celebrate the lives of close relatives, friends or community members who have passed away.
In accordance with the rich traditions of Día de Muertos, community members are invited to design and propose an ofrenda (Spanish for offering) that reflects the memory and spirit of those being commemorated.
Your proposal should express clear intent, embody artistic and creative merit, and resonate with the traditional values associated with Día de Muertos.
“Each year, the Ofrendas exhibition provides a unique platform for personal expression and cultural connectivity,” said Julie McFarland, executive director of public affairs and community engagement for the DIA, in a news release. “This is not just an exhibition; it’s a gathering of stories, memories, and artistic expression that honors the past while enriching our present.”
Proposals must be submitted by May 24.
Artists and community members can enter their proposals via the submission form available online. This application includes additional information and a list of required materials, both available in English and Spanish.
Once received proposals will be reviewed by a committee consisting of exhibition partners, community leaders, and DIA staff,
Selected Ofrenda artists will be notified by early July.
Important dates:

• • May 24: Submission deadline.
  
• • July: Ofrenda selections are made and artists are notified
  
• • Sept. 10-13: Installation of ofrendas at the DIA.
  
• • Sept. 28: Opening of the exhibition.
  
• • Nov. 3: Closing of the exhibition with an artist talk and reception.
  

Each selected artist or group will be provided a stipend of $500 to support their participation.
The exhibition will be on view from Sept. 28 through Nov. 3, in the Special Exhibitions Galleries located off of Rivera Court.
For more information visit dia.org/events/exhibitions/ofrendas-celebrating-el-dia-de-muertos-2024