Get Free Disability Insurance Quotes
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Discounted disability insurance for residents and fellows.
Physicians Thrive Provides Complete Satisfaction:
• Multiple quotes with a simplified comparison
• Access to some of the best insurance companies for physicians
• Unbiased personal guidance to evaluate your options
• An experienced advisor to customize a plan to help meet your unique needs
• Medical specialty-specific, own-occupation disability insurance plans
• Discounts at most medical institutions
• Coverage in all 50 states
• Ongoing service – a team advocating for you for the life of your policy
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.
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.
Over 52,000 physicians served with disability insurance quotes and more.
We’ve placed over 5 billion in coverage specifically for physicians.
Across the country, we’ve served thousands of physicians shop for insurance and protect themselves from the risk of life without an income.
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.
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
Physicians Thrive Reviews
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.