Story at-a-glance Your income is your greatest asset—especially in your 20s–40s. Losing it could cost you millions over your career.Disability insurance isn’t automatic—unlike health insurance, you have to qualify before you get sick or injured.Buy early, while you're healthy—you’ll lock in
Doctors’ High Stress Profession Makes Disability Insurance A Vital Asset
Story at-a-glance Doctors often neglect their own well-being, putting themselves at higher risk of stress-related disability.Burnout, fatigue, and long hours can lead to health issues that make it harder to qualify for disability insurance later.Early coverage is critical—locking in protection
The Role of Disability Insurance in a “Portfolio Pyramid”
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
Five Ways To Save on Disability Premiums
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
Doctors Need Income Protection
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
The SSDI Safety Net is Going Broke – Why You Need Disability Insurance
Story at-a-glance SSDI is underfunded and unable to support doctors with meaningful income—benefits are below poverty level and hard to qualify for.Nearly 1 in 20 adults now draws SSDI, draining the system and shrinking payouts as demand surges.Government disability programs require you to be
NFL Players Underscore the Value of Own Occupation Disability Insurance
Story at-a-glance NFL players protect their income with own-occupation disability insurance—because an injury can end their careers instantly.Like athletes, physicians rely on specialized skills that aren’t easily transferable to other high-paying jobs.Own-occupation coverage ensures your
Young Doctor Stricken With Brain Tumor – 1 Year Out of Residency
Story at-a-glance 1 in 4 physicians will face a disability that interrupts their ability to work for 3 months or more.A young doctor, just out of residency, protected her future $7–10 million in earnings with a private policy.Less than a year later, she was diagnosed with a brain tumor and