Physician Disability Insurance

Fill out a simple form to see your quotes. Let our insurance experts answer your questions and compare rates from top-rated insurance companies. Find the best true own-occupation disability policy for you. It’s that simple.

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Why Disability Insurance?

The chance of missing months or years of work because of an injury or illness may seem remote, especially if you’re young and healthy. However, 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?

How It Works

submitting a quote for disability insurance online

Step 1: Request Quotes

Fill out our simple form to request personalized disability insurance quotes from top-rated insurers.

Step 2: Compare Rates

Our team will provide you with a detailed comparison of rates and coverage options tailored to your needs.

Step 3: Get Covered

Choose the best policy for your situation and secure your financial future with disability coverage.

Disability Insurance Made Simple

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MINUTES OR LESS TO SUBMIT A QUOTE REQUEST

Quick & Easy

Take the first step toward protecting your income.
“Thank you so much for your expertise and advice. It turned out to be a lifesaver for me and my family.”
Dr. John C.

M.D.

Highly recommend! This site was easy to navigate and quickly connected me with an experienced insurance broker.

Dr. Lori S.

D.D.S.

“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.

Resources for Physicians

Leading Causes of Disabilities

Many doctors overlook the importance of protecting their income through disability insurance. Understanding the primary causes of disabilities can underscore the need for comprehensive coverage. Here are the top five causes of disabilities among physicians and why...

How to Compare Doctor Disability Insurance Policies

When it comes to protecting your financial future as a physician, having the right disability insurance policy is crucial. Given the unique demands and high income of medical professionals, it’s essential to secure coverage that fits your specific needs. Here’s how to...

Is Disability Insurance Worth It?

As a doctor, you've dedicated years of your life to rigorous education and training. You've entered a profession that not only demands your expertise but also your physical and mental well-being. But have you ever considered what would happen if an unexpected illness...