Story at-a-glance Disability doesn’t just affect older adults—serious health conditions often strike in your 20s and 30s, right as your medical career begins.Pregnancy complications are the #1 cause of disability claims among Millennial women, accounting for 64% of short-term and 20% of

Story at-a-glance Short-term disability covers income loss for a few weeks to two years with fast benefit payouts—ideal for temporary injuries or illnesses.Long-term disability kicks in after an exclusion period and pays for years, protecting 50–65% of your income.Own-occupation coverage

Story at-a-glance Own-Occupation Coverage is essential – it protects you if you can’t work in your specific specialty, even if you could work in another job.Guaranteed Renewable & Non-Cancellable policies give you rate stability and long-term contract protection—critical for doctors.A

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