Protect what matters most.
Get a personalized side-by-side policy comparison of the
leading disability insurance companies from an
independent insurance broker.
Compare policies from top insurance companies - all designed specifically for physicians and dentists.
Choose a policy and complete your application in 15 minutes or less.
Rest easy knowing your income is protected if you become sick or hurt and can't work.
Disability insurance protects your income if illness or injury stops you from working.
Nearly half of the Americans who filed for bankruptcy protection last year did so as the result of an unexpected injury or illness.
According to the Social Security Administration, 1 in 4
of today's 20-year-olds will become disabled at
some point in their career.
90% of disabilities are due to illness,
while 10% of disabilities are due to injury.
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.
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, specifically for physicians and dentists.
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. Our services are completely free.
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.
We make disability insurance easy to understand, easy to compare and easy to apply for.
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. Meet our team!
Our experienced agents work exclusively with doctors and dentists; we understand your busy schedule and desire to have the highest quality benefits available.
We only recommend policies with a True Own-Occupation definition of disability. This means your specific occupation is protected!
Doctor Disability partners with Su Refugio, an orphanage in South America, to provide 100 meals to orphaned children for every policy purchased.
Discover the essentials of a great disability insurance policy.
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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:
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:
We are compensated by the insurance company you choose, so our service to you is completely free to you.
Additionally, the cost of a policy is the same whether you buy it directly from the insurance company, or use a broker like Doctor Disability. Because of our high volume, in many cases our price is less than going directly through the insurance company.
Yes. Your income is your most important asset—and it depends on your ability to work. If you get sick or hurt and can’t do your job, disability insurance helps replace your paycheck so you can still pay your bills, support your family, and stay on track financially. Read more about the benefits of having disability insurance.
The best time to buy disability insurance is when you’re young, healthy, and early in your career—like during residency or your first few years in practice. Rates are lower, discounts are available, and you’re more likely to qualify without exclusions. Waiting can cost more and limit your options. Read more about when to buy disability insurance.
Yes. Residency is the ideal time to buy disability insurance. You’re young, likely healthy, and eligible for special discounts that can lock in lower rates for life. Plus, you can start with a smaller policy and increase coverage later without another medical exam. Waiting usually means paying more or getting less coverage. Read more about disability insurance in residency.
Waiting can cost you more and limit your options. After training, you may lose access to special discounts and risk being denied coverage if your health changes. Premiums also go up with age. Buying during residency or fellowship helps lock in lower rates, better coverage, and future flexibility. Read more about what happens if you wait.
Own-occupation disability insurance pays you if as the result of an injury of illness, you can’t do the duties of your specific job. This is far superior to any occupation disability insurance, which only pays you if you’re unable to work in any occupation that you have training, education, or experience for. Read more about own-occupation disability insurance.
Most doctors and dentists need enough coverage to replace 60–70% of their income. That’s usually enough to cover living expenses, student loans, and savings goals. If you’re early in your career, start with what you qualify for and use riders to increase coverage as your income grows. Read more about how much coverage you need.
It depends on the benefit period you choose. Most doctors and dentists select coverage that pays monthly benefits until age 65 or 67, which protects their income through retirement. Shorter options like 2 or 5 years are available but offer less protection. The longer the benefit period, the more security you have if you can’t work long-term. Read more about how long disability insurance lasts.
It’s quick and easy. Just provide basic info like your age, specialty, income, location, and general health history. A licensed advisor will compare top companies and send you personalized quotes—no cost, no pressure. You’ll see your monthly cost, benefit amount, and coverage options so you can make an informed decision. Read more about disability insurance quotes.
Disability insurance for doctors usually costs 1% to 3% of your annual income. Your exact price depends on your age, health, specialty, coverage amount, and policy options. Residents and fellows often qualify for discounts that can save thousands over time. Starting early helps you lock in lower rates for life. Read more about disability insurance costs.
Have more questions? Check out our FAQ page or visit our Contact Us page.
Doctor Disability is an independent brokerage specializing in True Own-Occupation disability insurance for medical professionals. We provide side-by-side policy comparisons from the ‘Big 5’ carriers (Guardian, MassMutual, Principal, Ameritas, and The Standard) to protect your income and future.
Get a personalized side-by-side policy comparison of the leading disability insurance companies from an independent insurance broker.
