Story at-a-glance Long work hours increase disease risk—especially for women. A 32-year study shows that women working 50–60+ hour weeks triple their risk of heart disease, diabetes, arthritis, and cancer by age 50.Men fare better—but not immune. Men saw higher arthritis rates, but no major

Story at-a-glance SSDI provides only basic income protection – with average benefits around $1,500/month, SSDI is designed as a minimal safety net, not a full income replacement.Eligibility is strict and limited – SSDI only covers total and long-term disabilities and is notoriously difficult

Story at-a-glance Most physicians need as much coverage as they can qualify for—typically 60–65% of their current income, which reflects standard insurer limits.Future earnings matter—if you’re in residency or med school, your real need is based on your future attending income, not your

Story at-a-glance Disability insurance belongs at the base of your financial pyramid—it protects everything else above it.Without it, your income stops, and so does funding your 401(k), college savings, or investment goals.1 in 4 doctors will face a disability in their career—more likely than

Story at-a-glance Disability insurance is a must for physicians—your career is worth millions and needs protection.There are smart ways to save on premiums—without sacrificing coverage.Group discounts (3+ people) and association membership can cut rates by 10–15% or more.Eliminating optional

Story at-a-glance Physicians are far more likely to become disabled than to die—making disability insurance a greater financial necessity than life insurance in early and mid-career.1 in 3 workers will be out of work for 3+ months due to disability; 1 in 7 for 5+ years—yet most physicians are