Story at-a-glance Start with “own-occupation” coverage—it protects your income if you can’t do your specific job.Look for guaranteed renewable & non-cancelable—your rates and coverage stay locked in.Choose the right benefit amount, benefit period, and elimination period for your needs.Add

Story at-a-glance Guaranteed renewable and non-cancelable means your rates and policy can’t change—ever.Your premiums stay locked in, even if your health or industry changes.Your policy can’t be canceled or watered down, as long as you pay on time.Group and association policies lack these

Story at-a-glance Disability insurance replaces about 60% of your income if you can’t work.Residents can get $5K–$7.5K/month, with options to increase coverage later.Attendings and dentists can get $10K–$30K/month, depending on income and existing coverage.Future Increase Options let you grow

Story at-a-glance Disability insurance replaces your income if you get too sick or hurt to work.Most policies cover up to 60% of income—enough to pay your bills and stay afloat.Doctors need “own-occupation” coverage, so you’re protected if you can’t do your exact specialty.Key features include

Story at-a-glance Your income is your biggest asset—disability insurance protects it if you can’t work.1 in 4 workers face a disability during their career, and doctors are at even greater risk.Group plans from employers don’t cover enough—and they don’t follow you if you leave.A strong

Story at-a-glance Your income is your most valuable asset—disability insurance protects it if you can’t work.Group disability plans have gaps—limited coverage, taxes, and no portability.Individual policies cover more, including bonuses, and are tax-free and portable.Start early to lock in

Story at-a-glance Short-term disability covers a few months—long-term can last until retirement.Short-term = fast payout, less time; long-term = longer wait, bigger benefit.Group plans from work are limited—they may not cover bonuses or be portable.Long-term disability is essential for

Story at-a-glance Get big discounts as a resident—lock in lower rates now and keep them for life.Premiums go up as you age, so starting young saves you thousands over time.Skip the medical exam—many resident offers don’t require one.Your health today is protected—future issues won’t affect