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?

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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How It Works

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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.

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Disability Insurance Made Simple

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“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.

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Resources for Physicians

6 Important Riders on a Physician Disability Insurance Policy

When considering disability insurance, physicians must understand not only the core policy but also the additional benefits offered through riders. Riders are optional provisions that can be added to your policy for an extra cost, providing enhanced protection and...
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What Is True Own-Occupation Disability Coverage for Physicians?

As a physician, your ability to perform your specialized work is central to your career and livelihood. But what happens if an illness or injury prevents you from practicing in your specific field? This is where disability insurance, particularly True Own-Occupation...
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Determining the Right Amount of Physician Disability Insurance

Why Disability Insurance Is Essential for Physicians Physicians are particularly vulnerable to the financial impacts of a disability. The physical and mental demands of your profession mean that even a temporary disability could result in significant income loss....
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