The Monthly Benefit is the monthly income protection you would receive in the case you became sick or injured, and ultimately unable to work. This amount is adjustable but is based on your gross income. You are only eligible to insure approximately 60% of gross income through all disability insurance sources, however, there are some exceptions to this rule when you are graduating from training.

Frequently Asked Questions

Let us get answers for you!

  • Why do you need disability and life insurance?

    Life happens. We cannot predict the future, but we can be prepared for it. That is the purpose of insurance – to protect and provide for yourself and your loved ones if the unfortunate happens. Your life and disability insurance choices may make the difference in your family’s lifestyle after a tragedy strikes by paying the bills, financing children’s educations, and protecting your spouse’s retirement.

  • When is the best time to purchase a disability insurance policy?

    Premium and policy eligibility are based on age and current health status. Therefore, the best time to purchase a disability insurance policy is when you are young and healthy and while discounts are still available with residency or fellowship status. Additionally, many insurance carriers will restrict the amount of coverage you are eligible for if you have an employer-sponsored plan.

  • Which disability insurance carriers to do you work with?

    Physicians Thrive only offers what we view as the strongest and most comprehensive physician-specific plans from the leading disability insurance carriers. We work with Ameritas, Guardian, Metlife, Principal, MassMutual and The Standard.

  • What is the Comdex Ranking?

    The Comdex is not a rating, but a composite of all ratings. It ranks companies on a scale of 1 to 100, showing you at a glance, where a company is ranked among all rated companies. The Comdex Ranking is not equated to a grading system such as 90% equals an A or 80% equals a B grade.

    The Comdex Ranking is a relative number based on the following factors:

    • If a company’s ratings from one of the ratings services AM Best, Standard and Poor’s, Moody’s or Fitch changes
    • If one or more companies are added or removed from the list of insurers rated by the above rating services
    • If another company with similar ratings, experiences a rating change, the percentiles or Comdex Ranking will adjust

    For example, if 1000 companies are rated, a company that is rated in the top one hundred of these companies, and meet the criteria for Comdex, will have a Comdex Ranking of approximately 90 or above.

- Brendan Calhoun

Very friendly, professional and comprehensive contract review. Well worth it for peace of mind.

- Jillian Halper

The Physicians Thrive team was phenomenal - organized, professional, personable, and able to answer all of my questions!

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 its associated cost to help you evaluate the value and build unique, cost-effective coverage tailored to your situation.