Physician Disability Insurance
Own-occupation, Specialty-specific Physician Disability Policies
As you start your career, quality disability insurance is the key to keeping your finances secure in the event of accident, injury or medical emergency.
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The largest discounts are available to residents & fellows.
The top insurance companies provide discounts for training physicians and they last for the life of the policy -not just until graduation. There are not a lot of chances to score discounts on true own-occupation disability insurance, so taking advantage of these discounts is a must.
When you work with Physicians Thrive, we promise the best service for physicians.
See all your options.
Our experts present all the options—not just the ones we want you to choose—so the freedom to choose the best policy for you is always at your discretion. Plus, your insurance will follow wherever the job market takes you.
The best discounts.
When Physicians Thrive finds the lowest rate, you’ll know immediately so you can jump on exceptional insurance discounts.
Reliable coverage.
Our experts work with top disability insurance companies to get as many quotes as possible so our clients never have to shop around—simply choose the option that works for you.
Now is the best time to buy disability insurance
You’re in your prime.
Disability insurance rates are based on your age and health so applying sooner than later can help you save. Each year you wait to apply you will pay between 5-7% more for the same coverage.
Your coverage will move with you.
Most new physicians switch employers multiple times within their first few years of training. With an individual disability insurance policy, you have coverage that remains the same from job to job without any extra work on your end.
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.
Accounts
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Projects
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Employer Provided Disability Insurance
Group
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
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
Physicians Thrive Reviews
Dave was incredibly helpful and always available. I really appreciated all of the information and assistance.
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!
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.
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.
Jigar P.
My first time working with Physicians Thrive was for a contract review, and I was really impressed by the expertise of their team. It was obvious Dave (the financial advisor) and Steve Stratman (the attorney) had worked with hundreds of physician contracts, because they were able to identify potential trouble areas quickly and explain how different clauses could negatively affect my work. They also asked me about my professional, financial and personal priorities to help understand my goals for the contract as well as provide me with help after I signed the contract with financial planning services and access to their accounting team for tax reduction strategies. Knowing they can help me with student loan repayment, planning for a new home purchase and retirement planning is so relieving at a time when I'm in transition to my new job and have so many questions about my finances.In terms of salary review, they had amazing data tools to illustrate how the salary offer compared to other doctors with a similar location, experience level, subspecialty, and even productivity levels. There is no way I could have found information with this level of detail on my own.I needed a quick turn-around and they were able to review the contract and give feedback within just a couple of days.The whole process helped me negotiate my contact confidently and strategically, and I ended up getting a better salary offer. 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.
Saurabh S.
Brilliant owner and staff. A delight to work with!
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!
Derek P.
Extremely professional and passionate about everything they do. High integrity from owner and all staff.
Rick M.
Great staff and down to earth. Can't say enough about this company and their staff!
Michael W.
Justin is a Rock Star! Professional, courteous, and an industry leader.
Brian G.
5 star service
Ryan Z.
Justin is fantastic to work with. He is knowledgeable and really listens. I highly recommend Justin and his team.
Stephen L.
I am really pleased with this entire group. They work hard to keep you engaged and up to date with important aspects of financial stability that we often times put on the back burner given our very busy schedules. They are passionate about their job and they do not use a cookie cutter approach. Each individual or family is unique and they tailor your needs to your specific situation. I have been working with them for 7 years and they have always been very helpful and professional.
Andrew C.
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!!!
Robert Terp, J.
My husband and I have been with Justin since my husband was a fellow. He has helped us navigate life insurance, disability insurance and financial planning. Over the years, he has become not only our financial planner but a friend. I recommend Justin and Physicians Thrive to physicians and non physicians anytime someone mentions needing a financial planner!
Amanda B.
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.
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.
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.
Nick P.
Great people and great company
gifhack
What an amazing, honest and successful firm. Thank you!
Derrick E.
This firm does a tremendous job for their clients!
Harry A.
First class perofessionals. Dedicated to doing what is right for their clients.
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.
Jeff B.
Justin is so knowledgeable, professional, and easy to work with. I cannot recommend him and his company highly enough.
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 😉
Jeremy A.
Justin and his team are top notch and provide a level of specialized service that is not found very often.
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.
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
Dan H.
If you are a physician and need an advisory group please check these guys out! They help many make confident financial choices everyday in everything from contracts, insurance to retirement planning. So awesome to have a financial company specialize in a group instead of go for the masses.
Lallenia B.
Very forward thinking company that is client focused with strong community awareness
Shawn K.
Fantastic resource. incredible value provided to our clients. Cannot recommend Justin strongly enough.
hunter E.
This is such a great company with an amazing vision for the future! The owners are very focused and hardworking!
Sierra K.
Physicians Thrive Reviews
Dave was incredibly helpful and always available. I really appreciated all of the information and assistance.
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!
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.
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.
Jigar P.
My first time working with Physicians Thrive was for a contract review, and I was really impressed by the expertise of their team. It was obvious Dave (the financial advisor) and Steve Stratman (the attorney) had worked with hundreds of physician contracts, because they were able to identify potential trouble areas quickly and explain how different clauses could negatively affect my work. They also asked me about my professional, financial and personal priorities to help understand my goals for the contract as well as provide me with help after I signed the contract with financial planning services and access to their accounting team for tax reduction strategies. Knowing they can help me with student loan repayment, planning for a new home purchase and retirement planning is so relieving at a time when I'm in transition to my new job and have so many questions about my finances.In terms of salary review, they had amazing data tools to illustrate how the salary offer compared to other doctors with a similar location, experience level, subspecialty, and even productivity levels. There is no way I could have found information with this level of detail on my own.I needed a quick turn-around and they were able to review the contract and give feedback within just a couple of days.The whole process helped me negotiate my contact confidently and strategically, and I ended up getting a better salary offer. 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.
Saurabh S.
Brilliant owner and staff. A delight to work with!
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!
Derek P.
Extremely professional and passionate about everything they do. High integrity from owner and all staff.
Rick M.
Great staff and down to earth. Can't say enough about this company and their staff!
Michael W.
Justin is a Rock Star! Professional, courteous, and an industry leader.
Brian G.
5 star service
Ryan Z.
Justin is fantastic to work with. He is knowledgeable and really listens. I highly recommend Justin and his team.
Stephen L.
I am really pleased with this entire group. They work hard to keep you engaged and up to date with important aspects of financial stability that we often times put on the back burner given our very busy schedules. They are passionate about their job and they do not use a cookie cutter approach. Each individual or family is unique and they tailor your needs to your specific situation. I have been working with them for 7 years and they have always been very helpful and professional.
Andrew C.
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!!!
Robert Terp, J.
My husband and I have been with Justin since my husband was a fellow. He has helped us navigate life insurance, disability insurance and financial planning. Over the years, he has become not only our financial planner but a friend. I recommend Justin and Physicians Thrive to physicians and non physicians anytime someone mentions needing a financial planner!
Amanda B.
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.
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.
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.
Nick P.
Great people and great company
gifhack
What an amazing, honest and successful firm. Thank you!
Derrick E.
This firm does a tremendous job for their clients!
Harry A.
First class perofessionals. Dedicated to doing what is right for their clients.
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.
Jeff B.
Justin is so knowledgeable, professional, and easy to work with. I cannot recommend him and his company highly enough.
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 😉
Jeremy A.
Justin and his team are top notch and provide a level of specialized service that is not found very often.
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.
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
Dan H.
If you are a physician and need an advisory group please check these guys out! They help many make confident financial choices everyday in everything from contracts, insurance to retirement planning. So awesome to have a financial company specialize in a group instead of go for the masses.
Lallenia B.
Very forward thinking company that is client focused with strong community awareness
Shawn K.
Fantastic resource. incredible value provided to our clients. Cannot recommend Justin strongly enough.
hunter E.
This is such a great company with an amazing vision for the future! The owners are very focused and hardworking!
Sierra K.
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.