Story at-a-glance Disability can strike unexpectedly—even in your 20s or during residency, before your career truly begins.A young ER doctor’s back injury from a car accident made her uninsurable overnight.Insurance only covers uncertainty—once a condition exists, it’s no longer

Story at-a-glance Many physicians delay disability insurance, assuming they’ll get it later—but later is often too late.Early-onset conditions like MS, anxiety, or injuries can make you uninsurable in your 20s or 30s.Group disability plans aren’t portable—leave your job, lose your coverage.A

Story at-a-glance Needlestick injuries are nearly unavoidable in training, with 99% of surgical residents reporting at least one incident by the end of residency.These injuries can have serious physical, emotional, and financial consequences, from disease transmission to career

Story at-a-glance Medical residents are routinely placed at risk for drowsy driving crashes due to extreme shift lengths and sleep deprivation.Studies show drowsy driving can be as dangerous as drunk driving, doubling the risk of crashes after extended shifts.Real-life incidents reveal serious

Story at-a-glance Physician disability insurance is no longer a one-size-fits-all product—it’s now a niche market with limited carriers and specialized features.These policies have complex, moving parts that must be carefully tailored to your specialty, income, and career trajectory.Products

Story at-a-glance Many physicians underestimate their true risk of disability, often believing it’s just 1 in 100—despite data showing a 1 in 5 chance before age 65.Most disabilities aren't caused by accidents, but by common conditions like musculoskeletal disorders, chronic pain, and

Story at-a-glance Nearly half of physician disabilities are partial, not total—yet many policies don’t fully cover partial income loss.Residual (partial) disability benefits vary widely between insurance companies and may not work well for self-employed physicians.Without a recovery rider,

Story at-a-glance MSK conditions like arthritis and back pain are a leading cause of physician disability.Many doctors rely on group or outdated coverage that may fall short when they need it most.Repetitive clinical work puts physicians at higher risk for joint-related conditions.Use