Provider Reviews: MassMutual Disability Insurance

July 3, 2025January 2, 2022 by Justin Nabity

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For physicians and other high-income earners, long-term disability insurance is a must.

If you become injured, ill, or disabled and cannot work, disability insurance will provide you with income. It’s a way to protect your family and provide for your future without having to dip into your savings or retirement funds.

But, like all forms of insurance, it can be difficult to decide which disability policy to select.

Today we’re taking a look into what a disability insurance policy from MassMutual looks like. This disability insurance review will discuss how it can benefit you in the event that you can no longer perform the duties in your current line of work.

Physicians Thrive can help you find the best disability insurance for you and your loved ones. We can help you pick the best insurance riders, guide you through the application process, and answer any questions you have along the way.

Here is our complete provider review on MassMutual disability insurance.

Types of Disability Insurance for Physicians: Your Full Breakdown

October 23, 2025September 29, 2021 by Justin Nabity

Disability insurance is protection. Protection of your finances. Protection for your family. And protection for your future. It’s as important as having health or life insurance, yet not everyone has a policy.

For physicians earning a high annual salary, it’s even more crucial.

A physical disability or a serious illness can prevent you from working for a short period of time or for the rest of your lifetime. And they can occur at any time in life. Having disability insurance is a way to ensure that you will have some form of income coming in, even if you’re unable to work.

Like all types of insurance, disability insurance can be rather complex. There are a variety of different policies that one can take, all of which provide different levels of coverage and waiting periods. Today we’re taking a look at the various types to help you decide which one is right for you.

Here is our full breakdown of the types of disability insurance for physicians.

Physician Practice Disability: BOE Reimbursement

November 26, 2024September 28, 2021 by Justin Nabity

Malpractice insurance. Life insurance. Group disability Insurance. As a physician, you probably already carry several types of insurance.

But, depending on the type of physician you are, there may be one more type of insurance you may need:

Business overhead expense insurance.

BOE is a must for any physician who owns all or part of a practice. It provides coverage for business expenses that are tax-deductible should you be unable to work.

Ready to learn what it’s all about?

Here’s our full guide to physician practice disability: BOE reimbursement.

How COMDEX Ratings Help You Choose Disability or Life Insurance

July 3, 2025September 13, 2021 by Justin Nabity

Man and woman couple smiling. Each has a smiling child on their back.

With so many different life insurance and disability insurance policies to choose from, physicians need to do their due diligence in selecting the right one. And selecting the right policy begins with finding the right insurance company.

When choosing a life insurance or disability insurance policy, many people rely on the advice and recommendations of independent insurance agents and financial advisors. Others prefer to do their own research, obtain individual quotes, and weigh the pros and cons of various policy terms and benefits.

Whether you have an expert helping find the best policy or prefer to do the legwork yourself, here’s something that may help you make an informed decision:

Comdex ratings.

Every physician needs the protection of life insurance and disability insurance. If you’re in the market for your first policy or looking to get an additional one, here’s how Comdex ratings can help you choose a life and disability insurance company.

Physician Disability Insurance: When to Apply

August 7, 2023July 19, 2021 by Justin Nabity

To lock in the most favorable rates, apply for own-occupation disability insurance months before joining a practice.

Disability insurance is one of the important components of protecting a physician’s practice. Its cost is a function of many things. Some of which include the physician’s age, health history, state of residence, and specialty. There is no “one size fits all” disability insurance plan.

However, leading experts agree it is best to lock in discounts where possible, before it is too late.

Don’t Get Short-changed by Short-sighted Savings in Disability Insurance

October 1, 2025July 19, 2021 by Justin Nabity

Fully protect the investment you have made in your earning potential

Physicians often share other disability plan ideas they have been told about. We love when this happens so we can help them compare their options. But there is a concerning trend in these plans. We are seeing a shift in the definition of “total disability.” As a result, this shift leaves physicians exposed to risk. This risk often comes without significant cost savings when compared to more comprehensive plans. These plans are being marketed as being physician-specific because they cover occupations in the medical field. However, we would like to highlight the main difference from the “true own occupation” plans we recommend to our physicians. This difference might outweigh any premium savings. In addition, these methods can help you avoid any short changed issues that may occur due to short-sighted savings.

Locum Tenens Coverage: Disability, Health, Malpractice and More

January 3, 2025July 5, 2021 by Justin Nabity

Working in medicine is unique in that the title of “physician” means many different things.

Some physicians work around-the-clock shifts in hospital emergency departments. Other physicians operate private practices and focus on primary care or preventative medicine. Some deliver babies, some treat cancer patients, and some perform invasive neuro or cardiac surgeries.

Yet, no matter what type of specialty you’re in, all physicians share one thing in common:

The ability to perform their work anywhere in the world.

Tech experts might be most in-demand in Silicon Valley. Professional actors are more sought after in LA than in Idaho. On the other side of the coin, physicians can work in any and every major city, small town, and rural part of the world.

The vast majority of physicians work full-time jobs in or near the city in which they live. But a growing number of U.S. physicians, approximately 40,000, choose to work locum tenens positions.

Working as a locum tenens physician has many benefits, but before you give up your job search or quit your full-time gig, there’s something you should consider:

What types of insurance will you need?

If you’re considering working locum tenens, here are the top five types of locum tenens insurance coverage you will need.

Do Surgeons Need Hand Insurance?

October 1, 2025February 20, 2021 by Justin Nabity

As a full-time surgeon, your hands are one of your most significant assets. Without the use of your hands, you simply cannot do your job.

So what would you do if you suffered damage to one or both of those appendages?

From common conditions, like nerve damage and arthritis, to more severe situations, such as losing a finger, your entire career as a surgeon would be at risk if you no longer had full function of your hands.

And this is why so many surgeons consider getting hand insurance.

What exactly is hand insurance?

How much does it cost?

Is it something a surgeon should have?

Today we’re answering the question that so many physicians want to know:

Do surgeons need hand insurance?

Nationwide Life Insurance Review

December 27, 2024December 14, 2020 by Justin Nabity

Many people think that life insurance is just another way to leave our heirs some money when we die, a way to provide them a safety net should the family suffer a loss of income.

And while that is the primary reason for having a life insurance policy, it’s certainly not the only one.

Depending on the policy you select, it can also be a tool for retirement planning and long-term financial planning.

But not all life insurance policies are the same. There are many distinctions and variables that can make it hard to choose one.

As part of our continuing series of life insurance provider reviews, today we’re profiling Nationwide.

This Nationwide Life Insurance review can be used as a guide to help you learn more about what types of insurance Nationwide offers and if they are the right insurer for you.

GSI vs. Non-GSI: Should Your Insurance Policy Have a Health Screening?

July 3, 2025December 3, 2020 by Justin Nabity

Disability insurance is the single best way that physicians can protect their future income if they become ill or injured and cannot work. And while there are hundreds of different policies out there that offer different benefits and terms, there is one thing that almost all have in common:

You’ll need to undergo a health screening before the insurance company starts the underwriting process.

But that is not the case with GSI.

GSI policies do not require a health screening or medical examination. That can certainly make it easier to get coverage, but that doesn’t necessarily mean that it’s better.

To lock in the most favorable rates, apply for own-occupation disability insurance months before joining a practice.

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