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.

$375 billion

and counting...

We’ve Shopped Billions of Dollars in Coverage.

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

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.

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We work with physicians at over 400 medical centers

Our team has worked with physicians from the top resident and fellowship programs in the world

harvard 1
northwestern
yale 1
Mayo 1024x239
university of chicago
duke health
uc san diego 1
NYU
standford
Hopskins

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

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

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.
photo
Ekatherine R.
Very friendly, professional and comprehensive contract review. Well worth it for peace of mind.
photo
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!
AOh14Gj  gQshNZ2Xdznr c4yNXoBVHBlIlRQ1jWlkHKiQ=c0x00000000 cc rp
Jillian H.
Excellent experience with Michaela and Steve as they helped me navigate my first contract negotiation! Highly recommended!
AOh14GiJENxufCwU JwD8fyePbQmPkNuWTeLe2NdI5NtpqA=c0x00000000 cc rp
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.
photo
Earl S.
Dave was incredibly helpful and always available. I really appreciated all of the information and assistance.
AOh14GiDCcWVseDxzBwZTF50HmMcjUWpgXrKl 6ks8al=c0x00000000 cc rp ba2
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!
AOh14Gi4gO46rPiV4XucfUNHAEgjiaVD THfdXg4NPtHhd4=c0x00000000 cc rp
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.
photo
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.
photo
Jigar P.
Brilliant owner and staff. A delight to work with!
AOh14Ggi1r95bmrRU2XqgeTvhDc6JuxOBc3wDxGVPouuew=c0x00000000 cc rp
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!
photo
Derek P.
Extremely professional and passionate about everything they do. High integrity from owner and all staff.
photo
Rick M.
Great staff and down to earth. Can't say enough about this company and their staff!
photo
Michael W.
Justin is a Rock Star! Professional, courteous, and an industry leader.
photo
Brian G.
5 star service
AOh14GiYZaOYfFzLe muDIzdzZgInFWvcBcc3YpGXbX2=c0x00000000 cc rp
Ryan Z.
Justin is fantastic to work with. He is knowledgeable and really listens. I highly recommend Justin and his team.
photo
Stephen L.
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.
photo
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.
photo
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.
AOh14GgldRingRg42vI5w2Y6BgnqSYB5y1O4sBLWRiz 2WI=c0x00000000 cc rp
Nick P.
Great people and great company
photo
gifhack
What an amazing, honest and successful firm. Thank you!
AOh14Ghfdhem4dQ6FJJCwikh2tkj hy9d eeyp4iGi3R=c0x00000000 cc rp
Derrick E.
This firm does a tremendous job for their clients!
AOh14Giehf22spJUapWwFECfgQWFJIA6p5K294GAqhYvYQ=c0x00000000 cc rp
Harry A.
First class perofessionals. Dedicated to doing what is right for their clients.
AOh14GgqkPnulOP6I IG2SiJ ymIfNdKw7HfTW4DeqQ7=c0x00000000 cc rp
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.
AOh14GjMirpADHb 3oB0NLc5ELAFGTk iWFHmTb2gtJCFg=c0x00000000 cc rp ba3
Jeff B.
Justin is so knowledgeable, professional, and easy to work with. I cannot recommend him and his company highly enough.
photo
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 😉
AOh14Gj8LSJbLTryGq17Ru3 UkIUUx V qxR6Su YFJ2CA=c0x00000000 cc rp
Jeremy A.
Justin and his team are top notch and provide a level of specialized service that is not found very often.
photo
Aaron M.
yH5BAEAAAAALAAAAAABAAEAAAIBRAA7

Physicians Thrive Reviews

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.
photo
Ekatherine R.
Very friendly, professional and comprehensive contract review. Well worth it for peace of mind.
photo
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!
AOh14Gj  gQshNZ2Xdznr c4yNXoBVHBlIlRQ1jWlkHKiQ=c0x00000000 cc rp
Jillian H.
Excellent experience with Michaela and Steve as they helped me navigate my first contract negotiation! Highly recommended!
AOh14GiJENxufCwU JwD8fyePbQmPkNuWTeLe2NdI5NtpqA=c0x00000000 cc rp
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.
photo
Earl S.
Dave was incredibly helpful and always available. I really appreciated all of the information and assistance.
AOh14GiDCcWVseDxzBwZTF50HmMcjUWpgXrKl 6ks8al=c0x00000000 cc rp ba2
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!
AOh14Gi4gO46rPiV4XucfUNHAEgjiaVD THfdXg4NPtHhd4=c0x00000000 cc rp
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.
photo
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.
photo
Jigar P.
Brilliant owner and staff. A delight to work with!
AOh14Ggi1r95bmrRU2XqgeTvhDc6JuxOBc3wDxGVPouuew=c0x00000000 cc rp
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!
photo
Derek P.
Extremely professional and passionate about everything they do. High integrity from owner and all staff.
photo
Rick M.
Great staff and down to earth. Can't say enough about this company and their staff!
photo
Michael W.
Justin is a Rock Star! Professional, courteous, and an industry leader.
photo
Brian G.
5 star service
AOh14GiYZaOYfFzLe muDIzdzZgInFWvcBcc3YpGXbX2=c0x00000000 cc rp
Ryan Z.
Justin is fantastic to work with. He is knowledgeable and really listens. I highly recommend Justin and his team.
photo
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.
photo
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!!!
AOh14GgOYx5gukENLi6bXb8Mex4lFybV4caA4BsFXrucow=c0x00000000 cc rp
Robert Terp, J.
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.
photo
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.
photo
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.
AOh14GgldRingRg42vI5w2Y6BgnqSYB5y1O4sBLWRiz 2WI=c0x00000000 cc rp
Nick P.
Great people and great company
photo
gifhack
What an amazing, honest and successful firm. Thank you!
AOh14Ghfdhem4dQ6FJJCwikh2tkj hy9d eeyp4iGi3R=c0x00000000 cc rp
Derrick E.
This firm does a tremendous job for their clients!
AOh14Giehf22spJUapWwFECfgQWFJIA6p5K294GAqhYvYQ=c0x00000000 cc rp
Harry A.
First class perofessionals. Dedicated to doing what is right for their clients.
AOh14GgqkPnulOP6I IG2SiJ ymIfNdKw7HfTW4DeqQ7=c0x00000000 cc rp
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.
AOh14GjMirpADHb 3oB0NLc5ELAFGTk iWFHmTb2gtJCFg=c0x00000000 cc rp ba3
Jeff B.
Justin is so knowledgeable, professional, and easy to work with. I cannot recommend him and his company highly enough.
photo
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 😉
AOh14Gj8LSJbLTryGq17Ru3 UkIUUx V qxR6Su YFJ2CA=c0x00000000 cc rp
Jeremy A.
Justin and his team are top notch and provide a level of specialized service that is not found very often.
photo
Aaron M.
yH5BAEAAAAALAAAAAABAAEAAAIBRAA7

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.