Disability Insurance for Attending Physicians

Protect your Money

Disability Insurance • Attending Physicians

Laying the groundwork toward financial health starts with disability insurance. At Physicians Thrive, we’re here to help find the plan that best fits your needs.

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Does your disability insurance provide the coverage you need?

Work with a physician disability insurance specialist.

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.

Analyze your current coverage or apply for your first policy.

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.

Our advisors can review your current coverage or help you put your first own-occupation disability insurance policy in place.

Start Your Quote

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 policyholder 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.

Review Existing Policy with an Advisor

- Jigar Panchal

I worked with Dave Swan recently for disability insurance. Dave and his team were very professional and courteous. He was always available for questions and was overall a pleasure to work with.

- Saurabh Singhal

I couldn't recommend Dave & Steve Stratman for contract review services more. I also further have a meeting set with Dave to discuss disability insurance and continue our discussion about financial education and planning in the upcoming weeks.

- Nick Peacock

Great company to work with, helped me set up own occupation disability insurance and were very helpful and great at explaining things along the way.

- Ealena Callender

I have been very pleased with Physician's Thrive. Their representatives are always responsive and helpful. Michaela is pleasant and eager to help. It is great to have one reliable place to go for a wide range of services. I highly recommend them to anyone who asks.

- Doug Zaruta

Top notch all-inclusive financial planning, contract review, accounting, tax planning, and more. Dave Swan is a true professional with strong values and integrity. He and the entire team at Physician's Thrive are trustworthy, reliable, and accessible.

- Jake Luther

Michaela provided excellent advice regarding student loan repayment, investments, and home buying when I was entering residency. I highly recommend her and this company for any physicians that are in search of financial advising.

- Colton Roessner

Michaela gave a great presentation on medical student financial literacy and making the transition from student to resident to attending physician. I would highly recommend her for anyone with financial questions about medical student loans and financial planning!

7,000+ satisfied physicians

Get Ongoing Service.

For no extra cost to you, our advisors advocate for you for the life of your insurance policy. In the case you need to increase your coverage, file a claim or have questions about your policy at any time, we are here for you.

Get a Disability Insurance Quote Today

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.

Employer Provided Disability Insurance

Group

There is no guarantee 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 may consider you no longer disabled and 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

Educating & Serving Physicians

Our team has worked with thousands of physicians to weigh their options for disability insurance around the United States.

110,500 physicians

and counting…

Get Free Disability Insurance Quotes

When you receive your quote comparison, our experienced advisor will review the quotes, explain all your options and the verbiage in each policy in detail to help you create a customized plan that meets your needs and your budget. We will review each element of the plan and the cost associated with it to help you evaluate the value and build unique, cost-effective coverage tailored to your situation.