Story at-a-glance A disability can shut down your practice—even if your personal income is covered, your office expenses won’t be.BOE insurance keeps your practice afloat by covering rent, salaries, and other fixed costs during your disability.Individual BOE policies offer stronger protection
Physicians Should Base Disability Insurance on Reality, not Rules of Thumb
Story at-a-glance Physicians need specialty-specific protection, especially with a 1 in 8 chance of being disabled before age 65.Don’t rely on rules of thumb—benefit amounts and elimination periods must match your actual expenses and savings.Monthly benefits should reflect real needs, not just
Will Your Disability Policy Protect You at the Next Level?
Story at-a-glance Physician income can skyrocket post-residency, making early disability coverage quickly outdated.Standard policies may only cover a fraction of a physician’s new, higher income—creating a serious gap in protection.Future increase riders are key, allowing coverage boosts
Doctor Disability: CHDP Preventive Care Can Prevent Disability
Story at-a-glance Consumer-Directed Health Plans (CDHPs) are growing, offering high-deductible plans paired with health savings accounts.CDHPs encourage smarter healthcare spending, including increased use of preventive care.Busy medical professionals often skip their own preventive care,
Disability Insurance for Military Doctors: Military Doctors May Lose Coverage
Story at-a-glance Military doctors lose key disability protections once they leave active duty—especially for non-service-related issues.VA disability coverage requires documentation during service, making post-separation claims difficult to win.Undiagnosed conditions can surface later,
Doctor Disability: Staying Home When You’re Sick
Story at-a-glance Flu season increases presenteeism—working while sick lowers productivity and spreads illness.80% of physicians work while ill, risking their own recovery and their patients’ health.Presenteeism in healthcare can cause harm, linking sick clinicians to outbreaks like flu and
Why Medical Students Need Disability Insurance
Story at-a-glance Medical students face major financial risk—most carry $119K–$150K+ in student debt with little to no income.Rising tuition and stagnant physician salaries have widened the debt-to-income gap.A disability in med school can derail your future, with no savings or income to fall
Doctor Disability: Why You Need Physician Disability Insurance
Story at-a-glance Physicians have high incomes to protect—but traditional safety nets like Social Security fall short.Medical school debt is massive, with most grads owing $119K–$150K+ that still needs paying if you’re disabled.Most disabilities aren’t work-related, so workers’ comp doesn’t