Common Disability Insurance Riders
Story at-a-glance Riders add important protections and customization to your disability policy—some are free, others cost a small premium. The Own Occupation Rider is essential
Are You Affected by the Recent American Dental Association (ADA) Disability Insurance Rate Increase?
Story at-a-glance Dentists saw sharp premium increases in 2023, with men facing up to a 16% hike and women up to 21% under the ADA-sponsored
Young Doctors: Run – Don’t Walk – To Fund A Roth IRA
Story at-a-glance Young physicians are in the lowest tax brackets they’ll ever see, making this the perfect time to fund a Roth IRA or Roth
Why People In Their 20s and 30s Need Disability Insurance
Story at-a-glance Disability doesn’t just affect older adults—serious health conditions often strike in your 20s and 30s, right as your medical career begins. Pregnancy complications
The Different Types of Disability Insurance
Story at-a-glance Short-term disability covers income loss for a few weeks to two years with fast benefit payouts—ideal for temporary injuries or illnesses. Long-term disability
What To Look For in a Physician’s Disability Insurance Policy
Story at-a-glance Own-Occupation Coverage is essential – it protects you if you can’t work in your specific specialty, even if you could work in another
Is Your Medical Specialty Among the Top Earners?
Story at-a-glance Highest-earning specialties in 2023 include Plastic Surgery ($619K), Orthopedics ($573K), and Cardiology ($507K). Lowest-earning fields include Public Health ($249K), Pediatrics ($251K), and Family
Your Association Disability Plan May Offset Your Group Benefits
Story at-a-glance Association disability plans may reduce your group benefits—even if you think they’re individual. In a major court case (Fleisher v. Standard), the court
MetLife Leaves the Individual Disability Insurance Game
Story at-a-glance MetLife offered one of the best “own occupation” disability policies for doctors—but they stopped selling new policies in 2016. These policies were up
7 Student Loan Management Tips For Young Doctors
Story at-a-glance Doctors graduate with major debt – The average med school grad carries over $161,000 in student loans. Income-based repayment (IBR) plans can reduce
6 Reasons You Should Own Your Own Disability Insurance Policy In Addition To Your Employer’s Group Policy
Story at-a-glance Group disability insurance isn’t enough. Most employer plans don’t offer true “own occupation” protection, leaving physicians vulnerable. Individual policies are portable and customizable.
How To Deal With Medical School Debt
Story at-a-glance Medical school is expensive—but worth it. The average med school tab is over $215K, but most doctors earn that much every year once