Story at-a-glance 1 in 4 people will face a disability before retirement, and for physicians, it’s often due to illness—not injury.Doctors delay care, self-diagnose, and ignore early warning signs—putting their careers at risk.Without own specialty disability insurance, physicians may lose

Story at-a-glance You’re 3X more likely to become disabled than to die before age 65, yet most people don’t protect their income.Long term disability insurance replaces lost income, covering bills, mortgage, and essentials if you can’t work.Other coverage falls short—workers' comp, Social

Story at-a-glance Distractions in the operating room significantly increase surgical errors, especially among less experienced surgeons.A Medpage Today study found that interruptions led to 8x more mistakes during simulated procedures.Even with study limitations, the findings highlight the

Story at-a-glance Disability insurance replaces your income if you can’t work due to illness or injury—yet many professionals overlook it.Physicians face higher disability risk due to demanding work and often carry significant student debt.Social Security Disability Insurance (SSDI) offers

Story at-a-glance Less than 5% of disabilities are work-related—meaning workers' comp won’t protect most physicians.Despite the risk, over half of medical professionals haven’t researched disability insurance.Physician disability insurance replaces your income if illness or injury keeps you

Story at-a-glance Disability insurance protects your income if you can’t work—just like life insurance protects your family if you die.Use a needs analysis to calculate how much coverage you actually need based on income, family, assets, and liabilities.Doctors should aim to replace at least

Story at-a-glance Your elimination period (waiting time) and benefit period (payout length) have the biggest impact on cost.Longer elimination periods lower premiums—but you need enough savings to cover the gap.Short benefit periods save money upfront but may leave you uncovered long-term.For

Story at-a-glance Comparing disability insurance quotes requires more than checking premiums.Key features to evaluate include: elimination period, benefit period, monthly benefit, own-occupation definition, and job classification.Two policies with the same price can offer very different levels