Disability Insurance for Attending Physicians

Why Doctors Need Disability Insurance

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Physician disability insurance is an essential investment in the long-term health of your medical career. But selecting and staying up-to-date with the right policy can feel overwhelming. Let our experience with high-earning medical professionals work for you. We’ll help you customize a plan that meets your unique coverage needs.

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How Disability Insurance for Physicians Works

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First, we’ll discuss whether you have an existing policy or not. Most attending physicians already purchased disability insurance during their residency/fellowship. But over 60% of medical professionals are not aware of the language in their original policy and how much monthly benefits or riders they purchased in their current disability insurance plan.

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Not only is it important to know the details of your policy, but it’s also a good idea to modify your coverage as your career changes. The reason for that is easy: your disability insurance benefits increase based on your income levels.

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When to Update Your Disability Insurance Plan

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Has your annual salary increased since you initially purchased your disability insurance? If the answer is yes, it’s time to take another look at your policy.

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For every $100,000 of income earned, you can purchase about $5,000 a month in disability insurance benefits.

Speaking with an independent insurance agent who represents the “Big six” companies is the best way to get a second opinion on your current plan. When you work with our experienced team, we’ll:

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• Maintain an ongoing relationship with you to review your plan every 2-3 years or as your income increases.

• Help you understand what your plan offers to know what coverage you have if you get sick or hurt.

• Review all of important elements of your plan including definition of disability, your occupation class, plus all of the riders and benefits available.

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Click below for frequently asked questions about Disability insurance and disability insurance services.

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Disability Insurance FAQs

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