Get Free Disability Insurance Quotes

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.

Fill out the form below and a member of our team will get in touch with your shortly.

Over $379 billion of disability insurance reviewed for physicians

Our team has helped thousands of physicians find their best disability insurance quotes. With an individual disability insurance policy, you have coverage that remains the same from job to job without any extra work on your end.

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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. 

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.


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.

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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.

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I reached out to several lawyers when I got an offer, but no one answered as fast as Physicians Thrive, who understood that I needed their help as soon as possible. They accommodated to my schedule, were very familiar with the review of a contract of a J1 waiver physician. They reviewed the contract thoroughly, took the time to explain me everything, answered all my questions and helped me negotiate important changes to the contract. I highly recommend them.
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Working with Physicians Thrive has been a wonderful experience. We worked with Justin Nabity and Steven Stratman, who helped us navigate our first contract negotiations. Because of them, my husband and I have been able to find and negotiate terms for jobs that are a great fit for us. They are great people to have in your corner, especially when you are just coming out of training. I have already recommended Physicians Thrive to several of my co-fellows and former co-residents.
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I worked with Dave Swan recently for disability insurance. Dave and his team were very professional and courteous. He took the time to explain to me the details about disability insurance and found the best prices for me. He was always available for questions and was overall a pleasure to work with. I will definitely recommend him to my friends and family in need for financial advice.
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I have been very pleased with Physician's Thrive. Their representatives are always responsive and helpful. Michaela is pleasant and eager to help. Even if something is outside of her scope, she will talk to her colleagues or do some research to help provide guidance. It is great to have one reliable place to go for a wide range of services. I highly recommend them to anyone who asks.
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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.
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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


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


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


110,500 physicians

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educating & serving Physicians

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

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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.