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.

Physicians Thrive Reviews

Michaela Speer is an AWESOME person to work with at Physicians Thrive. Thorough, friendly, and super knowledgable about all things personal finance. Would recommend her to anyone needing help in this area and I look forward to looking to working with her more in the future!
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Katelyn H.
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.
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Jake L.
Michaela is outstanding!
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Joshua L.
Michaela was incredible at talking me through the bases of maximizing my wealth throughout my life! She will walk you through all avenues of making, spending, and saving money and will take her time answering any questions that you may have! Definitely recommend working with her and the team at Physicians Thrive!
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Sean S.
Michaela was amazing! She patiently answered all of my questions and gave great examples of how we could make the most of our money during residency.
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Megan L.
Michaela Speer was amazing at preparing myself and my classmates for our upcoming residency. I will definitely use her and Physicians Thrive in my future career.
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Kelli Y.
I was very impressed by the level of services this company provides. I think every physician should consider legal and professional advise when being hired at the new position. While working with this company I realized how many mistakes I could’ve made if not being aware of very small but extremely important details of the contract.
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Margarita K.
Physicians Thrive is an excellent organization that has provided prompt, outstanding service to me on multiple contracts. Rates are reasonable, and I appreciate how much time I saved compared to calling up lawyers myself. I remain thoroughly impressed with the quality of service I received and plan to use them any time I have a new contract in the foreseeable future.
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Jake S.
Great service, very comprehensive and supportive and quick
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Jonathan Vecchiarelli M.
What an amazing business! I have nothing but good things to say about Justin Nabity and the staff. I worked with him for a second time (probably should’ve listened to his sound advice the first time :). However, he took me back in and guided me through the process of establishing myself with another practice that aligns with my future growth. He listened intently to my goals and really cares about achieving what is best for the client. I look forward to continuing our relationship in the future. Kudos to a great business. They’re also a B-corp and have a non-profit!!!
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Jonathan C.
They are very friendly and they make accommodation a priority.
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Julie L.
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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Ekatherine R.
Very friendly, professional and comprehensive contract review. Well worth it for peace of mind.
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Brendan C.
The Physicians Thrive team was phenomenal - organized, professional, personable, and able to answer all of my questions! I would highly recommend them to anyone needing contract/benefits review!
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Jillian H.
Excellent experience with Michaela and Steve as they helped me navigate my first contract negotiation! Highly recommended!
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Aaron H.
My physician contract was reviewed quickly and professionally. Two-part review includes legal review with attorney and financial review with financial advisor. Would use again.
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Earl S.
Dave was incredibly helpful and always available. I really appreciated all of the information and assistance.
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Chris H.
Michaela and Phil have been great to work with through 2 contract reviews. Very professional and easy to communicate with. Peace of mind is worth the money but they did so much more! I’m very thankful and blessed to have them work on my behalf!
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Kathleen E.
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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Reeti G.
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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Jigar P.
Brilliant owner and staff. A delight to work with!
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Amy G.
I currently do business with Physicians Thrive and they are by far one of the most stand up, do it right, integrity based organizations I've ever worked with. Their knowledge complimented by their unbeatable follow up is what makes them the best at what they do. Additionally I'm a HUGE fan of their mission to cure blindness... truly noble efforts on that from as well!
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Derek P.
Extremely professional and passionate about everything they do. High integrity from owner and all staff.
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Rick M.
Great staff and down to earth. Can't say enough about this company and their staff!
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Michael W.
Justin is a Rock Star! Professional, courteous, and an industry leader.
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Brian G.
5 star service
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Ryan Z.
Justin is fantastic to work with. He is knowledgeable and really listens. I highly recommend Justin and his team.
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Stephen L.
Justin Nabity of Physicians Thrive has been representing my family for over four years. We could not be happier with the service he provides for us and our financial peace of mind. From helping with my wife's contract negotiations and ensuring we have enough insurance coverage to establishing a living will and trust for our kids, Justin has been instrumental in guiding us through the process of protecting my family's financial future. Thank you, Justin!!!
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The team members at Physicians Thrive are highly committed to the success of their clients. They all go above and beyond and exceed client expectations.
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steven S.
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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Ealena C.
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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Nick P.
Great people and great company
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What an amazing, honest and successful firm. Thank you!
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Derrick E.
This firm does a tremendous job for their clients!
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Harry A.
First class perofessionals. Dedicated to doing what is right for their clients.
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Guy Baker, PhD, MBA, M.
A team that has vision, passion and care for their clients. Appreciate the philanthropic mission in giving back to others.
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Jeff B.
Justin is so knowledgeable, professional, and easy to work with. I cannot recommend him and his company highly enough.
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Morgan D.
We've been using these guys for about 7 years now and wouldn't think of going anywhere else. Great people, trustworthy as can be. Just really glad we came across them.And...if you're a pilot they can set you up w/ the right kind of insurance 😉
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Jeremy A.
Justin and his team are top notch and provide a level of specialized service that is not found very often.
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Aaron M.
This is an excellent company that is driven by purpose. I really admire what Justin and his team are doing for Physicians and the community.
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Curt D.
Justin Nabity is an excellent business leader with high integrity and the best interests of his clients front of mind. I have learned a lot about Justin while working with him on the board of the Entrepreneurs Organization
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Dan H.
Very forward thinking company that is client focused with strong community awareness
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Shawn K.
Fantastic resource. incredible value provided to our clients. Cannot recommend Justin strongly enough.
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hunter E.
This is such a great company with an amazing vision for the future! The owners are very focused and hardworking!
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Sierra K.

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

and counting...

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.