What Is Own-Occupation Disability Insurance and Why It Matters
Story at-a-glance Own-occupation coverage protects your specialty. You’re paid if you can’t perform your medical duties, even if you work elsewhere. It defines “disability” correctly.
How to Protect Your Practice (for Self-Employed Doctors)
Story at-a-glance Your practice is your income engine. If you can’t work, both personal and business cash flow stop. Individual disability coverage protects your personal
Life Insurance vs. Disability Insurance: What’s the Difference?
Story at-a-glance Both protect your income. Life insurance helps your family if you die; disability insurance protects your paycheck if you can’t work. Different payouts.
What Happens if I Change Specialties, Reduce Clinical Time, or Go Into Non-Clinical Work — Will My Policy Still Protect Me?
Story at-a-glance Your policy follows you. It’s yours, not your employer’s. Claim = your job at that time. Coverage keys off the work you do
Should You Increase Your Disability Coverage for the New Year?
Story at-a-glance Your income likely grew. If your benefit didn’t, you’re underinsured. Disability coverage should grow with your career. Check it annually. Use your Future
The 7 Biggest Financial Mistakes Doctors Make in Their 30s
Story at-a-glance Your 30s are when your doctor paycheck jumps, but so do money risks (debt, kids, house, lifestyle). Mistake #1: Lifestyle inflation. Fix it
Is Disability Insurance Necessary Right Now, or Should I Wait Until I’m an Attending?
Story at-a-glance Waiting costs you coverage and cash. Rates rise ~3% yearly; one health issue can block eligibility. Your income is your real asset. Disability
How to Talk to Your Spouse About Disability Insurance
Story at-a-glance Disability insurance = love, not fear. It protects your family and lifestyle if you can’t work. Your income is your foundation. One illness
Year-End Checklist: 5 Smart Money Moves for Doctors Before December 31st
Story at-a-glance Max out retirement. Hit contribution limits to cut taxes and grow savings. Review insurance. Update disability and life coverage to match your current
Life Insurance 101 for Physicians: Protecting the People You Love
Story at-a-glance Life insurance is love in action. It protects your family if you’re gone. Your income supports everything. Life insurance replaces it for your
Why Doctors Need Disability Insurance Even When They’re Healthy
Story at-a-glance Doctors’ biggest asset is their income, not their health. Disability insurance protects that. Even healthy doctors can lose income suddenly from illness or
Why Do I Need Disability Insurance in Residency?
Story at-a-glance You’re protecting your future attending income, not just your resident salary. You lock in the lowest possible rates while you’re young and healthy.