Story at-a-glance Insurance companies review your medical records—even small or old notes can impact approval or pricing.Doctors sometimes use “stronger” diagnosis codes to help with health insurance—but these raise red flags in disability underwriting.You could face exclusions, higher

Story at-a-glance Self-prescribing shows up on your record—even one-time prescriptions are tracked by insurance companies.No medical records = red flags—underwriters can’t verify why you took the drug or if the condition is resolved.This can delay, increase, or deny your coverage—even for

Story at-a-glance Insurance agents can’t change your rate—only the insurance companies set prices, and they’re approved by state regulators. Lower quotes often mean cut coverage—some agents remove important riders like own-occupation or COLA to reduce the premium. Wrong job class = bad

Story at-a-glance Know your loans first—check balances, interest rates, and repayment terms at studentaid.gov.Choose the right plan: PSLF and income-driven repayment options like SAVE or PAYE offer flexibility and potential forgiveness.Refinance wisely: Only consider this if you're not using

Story at-a-glance You’re more likely to become disabled than die during your working years as a doctor.Disability insurance protects your income and lifestyle—even if you never need to use it.Most physician disabilities aren't dramatic injuries—they’re chronic, mental health, or neurological

Story at-a-glance Your health today locks in your future insurability—waiting means risking exclusions or higher costs.Rates are lowest in residency, and they rise each year you delay.Group policies aren’t enough—they’re taxable, limited, and not always true own-occupation.GSI plans (no

Story at-a-glance GSI gives you disability coverage with no medical exam—even if you have pre-existing conditions.Perfect for residents and fellows, GSI is fast, hassle-free, and guaranteed if your program offers it.If you're healthy, a fully underwritten policy may offer better pricing and

Story at-a-glance Choose a company that specializes in doctors—they offer better benefits and discounts.Check financial strength ratings—you want a company that will still be around to pay your claim.Look for own-occupation, guaranteed renewable, and strong riders.Great claims service