Why Physicians Need Supplemental Disability Insurance

May 2, 2025 by Justin Nabity

More than 25% of today’s 20-year-olds—including physicians—will experience a disability before reaching retirement age. For medical professionals, the risk isn’t just theoretical because nearly 3% of full-time physicians already live with a disability. Now, employer-sponsored disability insurance does offer protection against sudden disabilities. But most policies leave dangerous gaps like inadequate coverage limits, restrictive definitions … Read more

The 5 Best Disability Insurance Providers in 2025

July 8, 2026February 17, 2025 by Justin Nabity

The best disability insurance providers in the United States operate on providing own-occupation coverage. This allows high-earners like physicians a backup plan if they can no longer work in their field. However, each provider has its own policy regulations that can make it a better or worse choice. This guide will show you the best … Read more

Physician Disability Insurance: Different Types, Premiums, and Benefits

July 8, 2026February 17, 2025 by Justin Nabity

It’s not a stretch to say that disability insurance for physicians is becoming a lifeline for many in the profession. According to statistics, over 25% of 20-year-olds in the United States will likely become disabled well before retirement age. If we shift our attention to physicians, the statistics become even more worrying, with 30% of … Read more

A Physician’s Guide to Disability Insurance Elimination Period

November 24, 2024 by Justin Nabity

Key Takeaways Disability insurance is a safety net that all men and women can benefit from, regardless of the job they do. But for physicians who earn a high annual salary, it’s crucial. Like all insurance policies, disability insurance policies can be complex and challenging to grasp. There are many components and stipulations you need to … Read more

Disability Insurance for Dentists – Everything You Need to Know

October 20, 2025September 30, 2024 by Justin Nabity

Disability insurance is a type of policy that offers financial protection in case of a temporary or permanent disability. In exchange for paying a monthly premium, you get coverage against any illness or injury that causes a disability for a short or prolonged period. Should any of the disabilities that your policy covers happen while … Read more

Pattern Life Review: What You Should Know

November 26, 2024September 30, 2024 by Justin Nabity

Insurance policies protect our finances during uncertain events that could change our lives. In the case of an accident or medically related work loss, for example, disability insurance can replace a portion of our work income. There are also other situations, such as loss of life, where life insurance policies can provide financial support for … Read more

How Much Does Disability Insurance Cost In 2026?

July 9, 2026June 7, 2024 by Justin Nabity

a person in a wheelchair talking on a cell phone

Everyone understands the importance of having health insurance and life insurance. But as a physician earning a sizable yearly salary, there’s one other type of insurance policy you need: disability insurance. If you become ill or disabled and can’t do your job, disability insurance will protect your assets and provide income for your family. But … Read more

A Physician’s Guide to the Top Disability Insurance Companies

October 15, 2023 by Justin Nabity

Physicians need disability insurance. Without it, a single illness or injury could significantly impact your financial security and your way of life.

Unfortunately, your employer’s group policy, employee benefits, and Social Security likely won’t be enough.

This article explains how to select a provider and the best disability insurance plan for you. Not only do we list our top picks for the best plans for physicians, but we’ll also discuss what to look for when choosing coverage.

Our disability insurance experts can help you find the best plan for you. Contact Physicians Thrive today to connect with one of our specialists.

Disability Insurance Riders: Residual, Partial & CAT

November 18, 2024April 13, 2023 by Justin Nabity

Disability insurance is one of the most important investments many people make. It aids in providing financial protection to you should you become unable to work. Just like purchasing life insurance, the investment in disability coverage aims to cover those “what if” situations. Disability insurance riders are a way to customize your policy to ensure it matches your unique needs. There are various ways to do this, including with residual disability and partial disability. Here’s what you need to know.

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

Here is a quick review of disability insurance and a deeper dive into some of the riders.

Disability Insurance for Dentists and Oral Surgeons

July 8, 2026January 4, 2022 by Justin Nabity

Young black dentist posing at clinic over modern cabinet, empty space

Whether you’re a general dentist, an oral and maxillofacial surgeon, endodontist, or another type of dental professional, you know that dentistry is rewarding work. Therefore, disability insurance for a dentist is important.

Further than the education and experience alone, it also provides you another benefit:

The opportunity to earn a higher-than-average salary.

According to the U.S. Bureau of Labor Statistics, the average dentist salary in the U.S. is approximately $164,000 per year.

Oral and maxillofacial surgeons top the field as the highest income earners of all MD dentists, making an average of roughly $235,000 per year.

And when you earn a physician’s salary, you need to protect it with a disability insurance plan.

From how much it costs to picking the right insurer, here’s our guide to disability insurance for dentists and oral surgeons.

Physicians Thrive can help you choose the best disability insurance to protect yourself, your family, and your dental practice. Contact us today to find out how.

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