Medical Resident Disability Insurance

Fill out a simple form to see your quotes. Let our insurance experts answer your questions and unlock exclusive discounts for medical residents. Find the best true own-occupation disability insurance policy for you. It’s that simple.

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Doctor Smiling because she is happy with her disability insurance policy

Why Disability Insurance?

1 in 4 people in the U.S. will suffer a disability lasting for more than a year before the age of 65.

If a disability took away your ability to practice in your medical specialty, how would this impact your earnings?

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Disability Insurance Made Simple

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MINUTES OR LESS TO SUBMIT A QUOTE REQUEST

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“It turned out to be a lifesaver for me and my family.”

Dr. John C.

M.D.

“Thank you for the expertise and advice and for making this process so easy.”

Dr. Jessica M.

M.D.

“The best and most important investment I ever made.”

Dr. Mark K.

M.D.

Key Aspects of Disability Insurance

1. Own-Occupation Definition: This ensures that you receive benefits if you are unable to perform your specialty.

2. Benefit Period: Choose a benefit period that provides coverage until retirement age.

3. Elimination Period: Select a waiting period that balances affordability with your ability to cover expenses in the short term.

4. Coverage Amount: Ensure your policy covers enough of your income to maintain your lifestyle and meet ongoing obligations.

5. Non-Cancellable & Guaranteed Renewable: These provisions ensure that your policy cannot be canceled, nor can premiums be increased, as long as you pay on time.

Critical Riders to Consider

1. Future Purchase Option: Allows you to increase your coverage as your income grows without needing further medical underwriting.

2. Residual or Partial Disability Rider: Provides benefits if you can work but your disability limits your earning potential. 

3. Cost of Living Adjustment (COLA) Rider:  Adjusts your benefits for inflation, ensuring your coverage remains adequate over time. 

4. Catastrophic Disability Rider: Provides additional benefits if you suffer a severe disability that requires significant extra care. 

Get Your Personalized Quote Today

Take the first step toward protecting your income and ensuring your financial stability. Submit a request for a quote today and let our experts guide you to the best disability insurance options available.
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10 Essential Tips for Residents Buying Disability Insurance

As a medical resident, you’ve dedicated years to intense training, often accruing significant student debt in the process. Your career is on the brink of launching, but what happens if an illness or injury disrupts your ability to work? Disability insurance provides...
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Disability Insurance for First Year Residents

As a first-year medical resident, you're likely focused on mastering your clinical skills, adjusting to the long hours, and navigating the challenges that come with being a new doctor. With so many responsibilities, it’s easy to overlook one crucial aspect of your...
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