Essential Insights on Why the Cost of Long Term Disability Insurance is Worth It in 2026

March 31, 2026October 25, 2019 by Justin Nabity

disability insurance protects your lifestyle

While disability insurance can seem like a daunting purchase for young doctors, it provides indispensable financial protection. There are an enormous variety of factors that determine the cost of long term disability insurance for physicians: medical history, age, specialty, benefit level, insurance company—the list goes on. Because of all these variables, it can be difficult … Read more

How Does Disability Insurance Cover Cancer?

July 8, 2026June 12, 2019 by Justin Nabity

In the event of a cancer diagnosis, disability insurance can serve as an essential safety net for physicians. In order to safeguard their earnings and finances. While the prognosis for different cancers can vary widely, most cancer diagnoses will necessitate time off work for proper treatment. Whether this time off lasts for a few weeks … Read more

How Long-Term Disability Insurance Can Protect Visa and Green Card Holders

October 19, 2022May 24, 2019 by Justin Nabity

adventure-back-view-bavaria-404960-scaled

Long-term Disability The possibility of becoming too sick or injured to work is a sad prospect for any physician. And even more so for doctors who rely on a green card or visa to stay in the United States. A long-term disability poses a serious risk to both the earning ability and the residency status … Read more

Valerie King’s Story

October 18, 2022April 17, 2019 by Justin Nabity

Story of an ER Doctor When life happens, will you and your family be prepared? Find out how this single mother and ER doctor, Valerie King, M.D., managed when she found out she has ulcerative colitis. The video below goes into much more detail on her story and background. Request a disability insurance comparison quote … Read more

Feranmi Okanlami’s Story

December 17, 2024March 28, 2019 by Justin Nabity

For physicians wondering why they need disability insurance, Feranmi Okanlami’s story is a personal example on how having coverage can save you from financial stress in a time of uncertainty. Work With Physicians Thrive Get Your Free Disability Insurance Quote! It’s easy! Start My Contract Review Get Financial Planning

The Top Reasons Doctors Need Disability Benefits

October 20, 2022March 8, 2019 by Justin Nabity

The average worker has a high chance of claiming disability leave at some point in their career. According to the Council for Disability Awareness, more than 25% of today’s 20-year-old workers will miss more than a year of work due to disability before reaching the age of 65. That is to say, while no one … Read more

Why Doctors Need Own-Occupation Disability Insurance

June 27, 2024December 20, 2018 by Justin Nabity

When it comes to disability insurance for doctors, they don’t create all plans equally. Most physicians and surgeons are well-aware of the importance of disability insurance. However, the key differences between employer-provided group plans and own-occupation insurance can be easy to overlook at first glance. These distinctions, often buried within subtle contractual language, can be … Read more

3 Tips for Picking Disability Insurance

July 8, 2026September 17, 2018 by Justin Nabity

Traditionally, they design an individual disability insurance policy to pay out benefits to replace lost income if a physician becomes too sick or injured to work in their specialty. When determining their ideal benefit amount, many physicians only consider their most basic living expenses, such as bills, rent, and groceries. While it is essential that … Read more

The Doctor’s Life Podcast Episode 040- Should You Get Disability Insurance Without an Exam?

July 16, 2026August 22, 2016 by Justin Nabity

Do you need the disability insurance exam?

You have options when it comes to disability insurance. One of those is if you should take the disability insurance exam or not. What is actually in that medical exam and does it matter?
Justin Nabity is back in The Doctor’s Life Podcast studio to answer these questions. All episodes of The Doctor’s Life Podcast are available on iTunes, Android, and on SoundCloud. Make sure to subscribe and you will be the first to get new episodes of The Doctor’s Life Podcast.

Disability Insurance With an Exam…or Without?

June 27, 2024August 4, 2016 by Justin Nabity

DI Exam

This topic comes up all of the time when doctors are considering the question of, what is the best way to get disability insurance (DI). Does it really matter? Does it affect the cost? How about what they include in the plan? Is there any difference?

First let’s discuss what is a medical DI exam in this setting? Just as with any individually owned insurance, in most cases you have to meet with a nurse where they get your physical measurements, ask your health history questions and usually get a blood and urine sample. A simple physical is really all it is. Insurance companies require this because they are trying to get an idea how they should rate you? Either at the best rates or somewhere down the list.

What are they evaluating in the samples?