Own-Occupation Disability Insurance
for Physicians and Dentists

Protect what matters most.

Get a personalized side-by-side policy comparison of the 

leading disability insurance companies from an

independent insurance broker.

Guardian Logo Grayscale
MassMutual Logo Grayscale
Principal Financial Logo Grayscale
Standard Logo Grayscale
Ameritas Logo Grayscale

We make it easier for you
to select and purchase disability insurance for doctors.

A pair of neatly arranged documents.

Get Quotes

Compare policies from top insurance companies - all designed specifically for physicians and dentists.

A telephone receiver emits sound waves.


Choose a policy and complete your application in 15 minutes or less.

The heart symbol outlined in blue

Enjoy Peace of Mind

Rest easy knowing your income will continue if you are sick or hurt and can't work.

Why Disability Insurance?

Disability insurance is more than income protection – it’s something that keeps your larger financial plan intact, no matter what.

An outline of the contiguous United States with one side colored in.

Nearly half of the one million Americans who filed for bankruptcy protection last year did so as the result of an unexpected injury or illness.

In a group of four individuals, one individual stands prominently in the foreground.

According to the Social Security Administration, 1 in 4
of today's 20-year-olds will become disabled at
some point in their career.

Medication bottle and syringe icon

90% of disabilities are due to illness,
while 10% of disabilities are due to injury.

Pie chart with one fourth of the pie filled in.

1 in 4 people living in the U.S. will suffer a disability lasting for more than a year before the age of 65 - the opportunity cost of lost wages is tremendous.

Ready to get started?

Why Choose DoctorDisability?

We have helped thousands of physicians and dentists get true, own-occupation disability insurance for their medical specialty and family’s needs. Simply put, we can help you find the best disability insurance for doctors.

A coin dropping into a piggy bank.

Save Money

Because disability is our primary focus, we know how to design a policy so that you only pay for what you really need. In addition, because of our large volume, we have access to discounts that will save you money.

A wrench crossing a flat head screw driver.


Whether you are an anesthesiologist, radiologist, emergency room physician, dentist or oral surgeon we understand your unique challenges and will help you secure your income with the best disability insurance available on the market.

A circle filled in with a check mark.

Super Simple

We make disability insurance easy to understand, easy to compare and easy to apply for.

Two hands clasped in a handshake.

Trusted by Thousands

We’ve helped thousands of medical and dental professionals get the right disability insurance to protect their financial futures. We work with all of the major insurance companies and are licensed in all 50 states.

Two comment bubbles overlap in a conversation

We Understand You

Our experienced agents work exclusively with doctors and dentists; we understand your busy schedule and desire to have the highest quality benefits available.

Icon of a blue doctor's bag

True Own-Occupation

We only recommend policies with an own-occupation definition of disability. This means your medical or dental specialty is protected!

Our clients are located at prestigious institutions all over the country.

UCSD School Of Medicine Logo
Harvard Medical School Logo
Northwestern University Feinberg School Of Medicine Logo
Stanford School of Medicine Logo
NYU School of Medicine Logo
Johns Hopkins School of Medicine Logo
University Of Chicago Pritzker School of Medicine Logo
Yale University School of Medicine Logo
Mayo Clinic Logo
Duke University School of Medicine Logo

Ready to get started?

We're committed to doing good.

Doctor Disability partners with Su Refugio, an orphanage in South America, to provide 100 meals to orphaned children for every policy purchased.

A doctor smiles on the cover a brochure labeled "Physician's Guide to Disability Insurance"

Free Guide: Doctor Disability 101

Discover the essentials of a great disability insurance policy.

  • Most important features of a great policy
  • Common exclusions from coverage
  • How much does it cost?
  • How much should you buy?
  • Pros and cons of group disability

  • This field is for validation purposes and should be left unchanged.

By clicking “Get Your Quotes” you agree with terms and privacy policy to receive promotional text messages. Reply STOP to opt out or HELP for help. Msg frequency will vary. Msg and data rates may apply.

Introduction to Long-Term Disability Insurance

Disability insurance is designed to replace a portion of your monthly income if you are unable to work due to an illness or injury.

Long-term disability insurance pays you a monthly benefit if you get sick or hurt and can’t work. It’s basically income replacement insurance. You can use the money from the insurance policy to cover your rent/mortgage, utility bills, food and other living expenses.

The coverage applies to disabilities that happen both on and off the job. Many policies even cover you if you are traveling to a foreign country when your disability occurs.

The greatest benefit of owning disability insurance is financial peace of mind; knowing that no matter what happens, you’ll have the needed resources to maintain you and your family’s standard of living.

Monthly benefit: This is the amount of money the insurance company will pay you each month you are disabled. The benefit is paid at the end of the month and is typically paid to you tax-free.

Maximum benefit period: When you become disabled, benefits are paid to you as long as you remain disabled, up to the maximum benefit period. Benefit period options are 2 years, 5 years, to age 65, to age 70 and to age 65 with lifetime extension. The longer your benefit period, the higher your premium.

Elimination period: The elimination period is the length of time you must wait after you become disabled before your monthly benefit will be paid. Options are 60, 90, 180 and 360 days. The most common benefit period is 90 days.

Definition of disability: The definition of disability determines when you are considered disabled. The best policies consider you disabled if you are unable to perform the duties of your current occupation. This is referred to as “own occupation”. The least desirable definition is a policy that considers you disabled only if you are unable to work in “any occupation”.

Guaranteed renewable and non-cancelable: This means that, as long as you pay your premiums when they are due, the insurance company cannot cancel your policy, change your policy provisions or increase your premium (up to age 65). The benefit to you is that once you qualify for the initial policy, your rates will never go up and the insurance company cannot change or terminate your contract.

Residual (partial) benefit rider: The residual benefit pays you a partial benefit if you have a partial disability. What this means is that if you get sick or injured and suffer a partial loss of income, you’d receive a benefit equal to the percentage of your lost income.

COLA rider: The cost of living adjustment, or COLA, increases your monthly disability payout during a period of disability to offset for inflation. This is important if you have a lengthy disability claim.

Guaranteed Insurability Rider: This rider provides a guaranteed option to buy additional disability insurance in the future without health requirements (no medical exam/questions). Financial underwriting is required, but an injury or illness would not prevent you from purchasing additional insurance. This option is especially important to professionals who expect a large increase in their future income – like medical residents/fellows.

Disability insurance companies can be compared based on the following two factors:

  1. Insurance Company Financial Strength Ratings
    Insurance carriers are rated by third party rating services (like AM Best and Weiss). They measure a company’s financial stability as well their ability to pay claims. You want to choose a company with the highest ranking possible. When you request quotes from us, we’ll include up to date financial strength ratings for each company we recommend.
  2. Benefits and Features of the Disability Policy
    The two “must have” benefits for any doctor disability insurance policy are:
    • Own occupation definition of disability
    • Guaranteed renewable and non-cancelable

    These two features ensure that you are protected in your own profession and that the insurance company can’t change anything in your policy before the age of 65.

Picking a great disability insurance company is important, because if you need them, they could be paying your salary for a long time.

These companies currently offer an own-occupation definition of disability insurance for doctors along with a guaranteed renewable and non-cancelable contract:

Ready to protect your future?

Get a personalized side-by-side policy comparison of the leading disability insurance companies from an independent insurance broker.