Resources The Physician’s Guide to Disability Insurance Physicians have more at stake than any other profession. Protecting your income with disability insurance is critical for maintaining wealth when unforeseen circumstances occur. Name(Required) First Last Employment Status(Required)Employment StatusResidentFellowPracticing PhysicianMedical StudentProgram CoordinatorProgram DirectorProgram Completion Year(Required)What year will you complete residency/fellowship?2022202320242025202620272028202920302031Primary Specialty(Required)Primary SpecialtyAllergy/ImmunologyAnesthesiologyAnesthesiology: Pain ManagementBariatrics (Nonsurgical)/Obesity MedicineCardiology: ElectrophysiologyCardiology: InvasiveCardiology: Invasive-InterventionalCardiology: NoninvasiveClinical PharmacologyCritical Care: IntensivistDentistryDermatologyDermatology: DermatopathologyDermatology: Mohs SurgeryEmergency MedicineEndocrinology/MetabolismFamily Medicine (with OB)Family Medicine (without OB)Family Medicine: Ambulatory Only (No Inpatient Work)Family Medicine: Sports MedicineFamily Medicine: Urgent CareGastroenterologyGastroenterology: HepatologyGeneticsGeriatricsHematology/OncologyHematology/Oncology: Oncology (Only)Hospice/Palliative CareHospitalist: Family MedicineHospitalist: Internal MedicineHospitalist: OB/GYNHyperbaric Medicine/Wound CareInfectious DiseaseInternal Medicine: GeneralInternal Medicine: Ambulatory Only (No Inpatient Work)NephrologyNeurologyNeurology: Epilepsy/EEGNeurology: NeuromuscularNeurology: Stroke MedicineObstetrics/Gynecology: GeneralOB/GYN: Gynecology (Only)OB/GYN: Gynecological OncologyOB/GYN: Maternal and Fetal MedicineOB/GYN: Reproductive EndocrinologyOB/GYN: UrogynecologyOccupational MedicineOphthalmologyOphthalmology: Corneal and Refractive SurgeryOphthalmology: GlaucomaOphthalmology: NeurologyOphthalmology: Oculoplastic and Reconstructive SurgeryOphthalmology: RetinaOrthopedic (Nonsurgical)Orthopedic Surgery: GeneralOrthopedic Surgery: Foot and AnkleOrthopedic Surgery: HandOrthopedic Surgery: Hip and JointOrthopedic Surgery: OncologyOrthopedic Surgery: Shoulder/ElbowOrthopedic Surgery: SpineOrthopedic Surgery: TraumaOrthopedic Surgery: Sports MedicineOtorhinolaryngologyPain Management: NonanesthesiaPathology: Anatomic and ClinicalPathology: AnatomicPathology: Anatomic-AutopsyPathology: Anatomic-CytopathologyPathology: Anatomic-NeuropathologyPathology: Anatomic-RenalPathology: ClinicalPathology: Clinical-HematopathologyPathology: Clinical-Transfusion MedicinePathology: SurgicalPediatrics: GeneralPediatrics: Adolescent MedicinePediatrics: Allergy/ImmunologyPediatrics: AnesthesiologyPediatrics: Bone Marrow TransplantPediatrics: CardiologyPediatrics: Cardiovascular SurgeryPediatrics: Child DevelopmentPediatrics: Clinical and Lab ImmunologyPediatrics: Critical Care/IntensivistPediatrics: DermatologyPediatrics: Emergency MedicinePediatrics: EndocrinologyPediatrics: GastroenterologyPediatrics: GeneticsPediatrics: Hematology/OncologyPediatrics: HospitalistPediatrics: Hospitalist-Internal MedicinePediatrics: Infectious DiseasePediatrics: Internal MedicinePediatrics: Neonatal MedicinePediatrics: NephrologyPediatrics: NeurologyPediatrics: NeurosurgeryPediatrics: OphthalmologyPediatrics: Orthopedic SurgeryPediatrics: OtorhinolaryngologyPediatrics: Plastic and Reconstruction SurgeryPediatrics: PulmonologyPediatrics: RadiologyPediatrics: RheumatologyPediatrics: Sports MedicinePediatrics: SurgeryPediatrics: Urgent CarePediatrics: UrologyPhysiatry (Physical Medicine and Rehabilitation)Podiatry: GeneralPodiatry: Surgery-Foot and AnklePodiatry: Surgery-Forefoot OnlyPsychiatry: GeneralPsychiatry: Addiction MedicinePsychiatry: Chemical DependencyPsychiatry: Child and AdolescentPsychiatry: ForensicPsychiatry: GeriatricPulmonary Medicine: GeneralPulmonary Medicine: Critical CarePulmonary Medicine: General and Critical CareRadiation OncologyRadiology: InterventionalRadiology: DiagnosticRadiology: NeurologicalRadiology: Nuclear MedicineRheumatologySleep MedicineSurgery: GeneralSurgery: BariatricSurgery: BreastSurgery: CardiovascularSurgery: Colon and RectalSurgery: EndocrineSurgery: Endovascular (Primary)Surgery: NeurologicalSurgery: OncologySurgery: OralSurgery: Plastic and ReconstructionSurgery: Plastic and Reconstruction-HandSurgery: Thoracic (Primary)Surgery: TransplantSurgery: Transplant-HeartSurgery: Transplant-Heart/LungSurgery: Transplant-KidneySurgery: Transplant-LiverSurgery: TraumaSurgery: Trauma-BurnSurgery: Vascular (Primary)Urgent CareUrologyAnesthesia AssistantAudiologistCertified Registered Nurse AnesthetistChiropractorDietician/NutritionistLicensed Clinical Social WorkerNurse Midwife: Outpatient/Inpatient DeliveriesNurse Midwife: Outpatient (Only)Nurse Midwife: Inpatient (Only)NP: Acute CareNP: AdultNP: CardiologyNP: Emergency MedicineNP: EndocrinologyNP: Family Medicine (with OB)NP: Family Medicine (without OB)NP: GastroenterologyNP: Gerontology/Elder HealthNP: Hematology/OncologyNP: Hospitalist (Primary Care)NP: Internal MedicineNP: Neonatal/PerinatalNP: NeurologyNP: NeurosurgeryNP: Pediatric/Child HealthNP: PsychiatryNP: OB/GYN/Women's HealthNP: Orthopedics (Surgical)NP: Orthopedics (Nonsurgical/Nonprimary Care)NP: Pulmonary MedicineNP: Urgent CareNP: UrologyNP (Surgical)NP (Primary Care)NP (Nonsurgical/Nonprimary Care)Occupational TherapistOptometristOrthotist/ProsthetistPerfusionistPhDPhysical TherapistPA (Surgical)PA: Orthopedic (Surgical)PA: Surgery: GeneralPA: Cardiothoracic SurgeryPA: NeurosurgeryPA: UrologyPA (Primary Care)PA: Family Medicine (with OB)PA: Family Medicine (without OB)PA: Hospitalist (Primary Care)PA: Internal MedicinePA: PediatricPA: Urgent Care (Primary Care)PA: OB/GYN/Women's HealthPA (Nonsurgical/Nonprimary Care)PA: CardiologyPA: DermatologyPA: Emergency MedicinePA: GastroenterologyPA: Hospitalist (Nonsurgical/Nonprimary Care)PA: NeurologyPA: Orthopedic (Nonsurgical/Nonprimary Care)PA: Pulmonary MedicinePA: Urgent Care (Nonsurgical/Nonprimary Care)PsychologistResearchResearch: MDSocial WorkerSpeech TherapistSurgeon AssistantState of Residence(Required)State of 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You may unsubscribe at any time.CAPTCHA Δ What's Inside the Guide Thrive with the right protection for your practice. Get Started 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. 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. 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. 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. Call Us Need Disability Insurance? Laying the groundwork toward financial health starts with disability insurance. 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