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Disability Insurance Cost: The Real Price of Protecting Your Income

September 20, 2012 by Chuck Krugh, CFP

Disability Insurance Cost

Doctors work brutal hours. Long shifts. Late nights. Weekends. No one tells you that your income isn’t guaranteed—until an injury or illness takes you out of the game.

The Hidden Cost of Being a Doctor

You spend years grinding through med school, racking up debt, and now you’re finally making real money. But here’s what no one talks about:

🚨 1 in 3 physicians will face a disability before retirement.
🚨 If you can’t work, your income stops—but your bills don’t.
🚨 Emergency savings? They disappear FAST when you have no cash flow.

Disability Insurance: What’s the Cost of NOT Having It?

Doctors hesitate on disability insurance because of the cost. Let’s reframe that:

❌ You pay for health insurance. But what happens if YOU can’t work?
❌ You insure your car. But your income is worth WAY more.
❌ You have life insurance. But what if you live and can’t earn?

The REAL cost isn’t the monthly premium. It’s losing your lifestyle, your home, your future—because you didn’t have a plan.

How Much Does Disability Insurance Cost?

It’s a fraction of your income. Here’s the breakdown:

✅ Typically 1-3% of your annual salary
✅ The younger you lock it in, the lower the rate
✅ Premiums don’t increase if you get a non-cancelable, own-occupation policy

This isn’t an expense. It’s an investment in never going broke.

Doctors: Protect Your Paycheck Before It’s Too Late

If you don’t have own-occupation disability insurance, you’re gambling with your future. Don’t be that doctor.

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Get a personalized side-by-side policy comparison of the leading disability insurance companies from an independent insurance broker.

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CategoriesDisability Insurance TagsAmerican Medical Association,  american medical news

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