The Physician’s Guide to Disability Insurance

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Physicians have more at stake than any other profession. Protecting your income with disability insurance is critical for maintaining wealth when unforeseen circumstances occur.

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What's inside the guide

Disability Insurance Definitions

The definition of “disability” is one of the most important parts of a disability insurance contract as it is the primary basis for determining if benefits will be paid when totally disabled.

Partial vs Total Disability

Statistically, you are more likely to become partially disabled than totally disabled.If a disability policy did not include the right clauses for residual benefits, you could go through a period during which your income is collapsing, while still needing to make payments and receiving no payout from the insurance company.

Key Benefits For Physicians

Get insight to the various riders and optional benefits you can include in your policy such as cost of living adjustment, catastrophic disability benefit rider and COBRA premium benefit.

Individual Disability Insurance

Group disability plans are fine for a temporary solution or to supplement the coverage of an individual disability policy, but the limitations and more restrictive definition of total disability can’t provide the maximum protection physicians need. Get non-cancelable, affordable coverage through an individual plan.

Protect Your Income

Understand how your disability insurance can secure your future.

Physicians have more at stake than any other profession. Protecting your income with disability insurance is critical for maintaining wealth when unforeseen circumstances occur. While employer plans are designed to attract employees, the reality is that they’re not truly designed in your best interest. It is important to make sure you are truly covered. 

Download the Guide

Need Disability Insurance?

Laying the groundwork toward financial health starts with disability insurance. At Physicians Thrive, we’re here to help find the plan that best fits your needs.