Disability Insurance

Protect so much more than your income.

You have plans for the future. Make sure you reach the goals you set for yourself and your family regardless of being able to work or not.

Does your disability insurance provide the coverage you need?

Work with a physician disability insurance specialist. 

Analyze your current coverage or apply for your first policy. 
Our advisors can review your current coverage or help you put your first own-occupation disability insurance policy in place. Often times residents and fellows get coverage with the short term in mind, but when you’re an attending physician there may be features missing from your policy. Gain confidence in your coverage by having a disability insurance specialist review your plan with you.  

Discover options you may be missing. 
There may be riders and other disability insurance options you aren’t aware of that you can either add to your current policy or are available through another insurance company. Our team will work with you to identify which of the features would benefit you and give you professional guidance on implementing these options.

Know the difference in group vs individual coverage.   
Own-occupation gives you consistent coverage throughout your entire career while employer-provided plans can leave you without any income when you need it most. Learn more about the key differences between employer-provided group plans and own-occupation disability insurance below.

Get one plan for your entire career. 
With an individual disability insurance policy, you have coverage that remains the same from job to job without any extra work on your end.

Request specialty specific quotes.
It only takes 1 minute to fill out the form below. Our team will send you a comparison of your specialty specific quotes from the top insurance providers.

Request specialty specific quotes.
It only takes 1 minute to fill out the form below. Our team will send you a comparison of your specialty specific quotes from the top insurance providers.

Does your disability insurance provide the coverage you need?

Work with a physician disability insurance specialist. 

Analyze your current coverage or apply for your first policy. 
Our advisors can review your current coverage or help you put your first own-occupation disability insurance policy in place. Often times residents and fellows get coverage with the short term in mind, but when you’re an attending physician there may be features missing from your policy. Gain confidence in your coverage by having a disability insurance specialist review your plan with you.  

Discover options you may be missing. 
There may be riders and other disability insurance options you aren’t aware of that you can either add to your current policy or are available through another insurance company. Our team will work with you to identify which of the features would benefit you and give you professional guidance on implementing these options.

Know the difference in group vs individual coverage.   
Own-occupation gives you consistent coverage throughout your entire career while employer-provided plans can leave you without any income when you need it most. Learn more about the key differences between employer-provided group plans and own-occupation disability insurance below.

Get one plan for your entire career. 
With an individual disability insurance policy, you have coverage that remains the same from job to job without any extra work on your end.

Own-occupation

What is an own-occupation policy?
Own-occupation covers physicians who have become disabled and are unable to perform the majority of their specialty-specific duties. Under own-occupation, the policy holder receives benefits if they are unable to work in their “own occupation,” even if they are able to find employment in another profession or even another medical specialty.

Why do you need own-occupation disability insurance? 
In the case you become disabled and unable to perform your specialty, own-occupation allows you to continue working at whatever capacity you want while maintaining your expected income. Whether it’s keeping up with your mortgage, adding to a college fund for your children or retiring on the terms you expected, own-occupation disability insurance guarantees you stay on track financially when it comes to your goals.

Two physicians in surgery, leading over a table

Group vs Individual Plans

Employer-provided plans won’t give you the coverage you need in if you become sick or injured. Discover the major differences in coverage between group plans and individual plans in the chart below.



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Employer Provided Disability Insurance

Group

There is no guaranteed of coverage or policy renewal. Your employer can change your plan or cancel your coverage at any time

 

You don’t get to keep your coverage if you leave your current position

 

Any benefit received is taxed as ordinary income if provided by your employer

 

If you are working in any capacity your group plan will stop paying you

 

Own Occupation Disability Insurance

Individual

Policies from independent carriers are non-cancellable and guaranteed renewable which means the company cannot cancel or change your policy

 

You own your policy so it stays with you from job to job

Benefits are received completely tax-free

If you cannot do your primary duties your policy will pay you the full benefit. You will still have full freedom to work in any other capacity

 
Female physician taking a mans blood pressure

Understanding long-term disability insurance

Long-term disability insurance is income protection.
If you face a serious health problem that prevents you from working, there’s more than just medical bills to worry about. Long-term disability insurance replaces your income if you’re unable to work so you can focus on what’s important to you.

Stay financially healthy.
If you rely on your income and could not manage your finances without it, then you should get long-term disability insurance.

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