Internists play a critical role in healthcare, providing comprehensive care to adults across a broad spectrum of conditions. While their work is rewarding, it comes with long hours and significant stress, making internists vulnerable to health issues that could disrupt their careers. Protecting your income with disability insurance is essential for maintaining financial stability if illness or injury prevents you from working.

Why Internists Need Disability Insurance

As an internist, your career depends on your ability to work with patients, diagnose complex conditions, and manage long-term care. If a disability arises, the impact on your ability to earn could be profound. Here’s why disability insurance is crucial:

1. High Risk of Burnout and Stress-Related Illness: The demanding nature of internal medicine can lead to burnout, mental health challenges, or physical ailments. These conditions can sideline your career temporarily or permanently.
2. Specialized Skills at Stake: Your training and experience are your most valuable assets. If an injury or illness affects your ability to practice internal medicine, your income could be significantly reduced.
3. Protecting Future Earnings: As an internist, you’ve invested heavily in your education and training. Disability insurance safeguards the financial future you’ve worked so hard to build.

Key Features to Look for in a Disability Insurance Policy

When choosing a policy, focus on options tailored to physicians:

• True Own-Occupation Coverage: This ensures benefits are paid if you cannot work as an internist, even if you can perform another job.

• Specialized Riders: Riders such as residual disability and future increase options can provide additional flexibility and financial security.

• Comprehensive Coverage for Illness and Injury: Look for policies that cover a wide range of conditions, including those that may not be immediately disabling but could prevent you from performing your duties over time.

When Should You Get Disability Insurance?

The best time to secure disability insurance is early in your career. Policies are typically more affordable for younger physicians in good health. Additionally, starting coverage during residency or fellowship often locks in lower rates and may come with discounts or simplified underwriting.

How Much Disability Insurance Do Internists Need?

A good rule of thumb is to aim for coverage that replaces 60–70% of your income. Consider factors such as:

• Your monthly expenses, including mortgage, loans, and living costs.
• Your long-term financial goals, such as saving for retirement or children’s education.

Choosing the Right Provider

Not all disability insurance providers are created equal. Some companies specialize in policies for physicians, offering the flexibility and benefits internists need. Work with a broker who understands the unique challenges of your profession and can compare options across multiple carriers.