The possibility of becoming too sick or injured to work is a devastating prospect for any physician, and even more so for doctors who rely on a green card or visa to stay in the United States. A long-term disability poses a serious risk to both the earning ability and the residency status of doctors without U.S. citizenship. Fortunately, an own-occupation long-term disability (LTD) policy can offer protection to visa and green-card-holding physicians. Almost one-third of U.S. doctors were born in a foreign country, and many of these physicians rely on green cards or work visas for their legal residency. Immigrant physicians hold a pivotal place within the U.S. healthcare system, because they are more likely to train in high-need specialties and to work in low-income communities. As a result, protecting the residency status of foreign-born doctors is critical, not just for the physicians themselves, but also for the communities they serve.
Work with advisors that know physicians.