While there is no actual data available that indicates the percentage of physician disabilities which are partial, as opposed to total, our experience indicates that it is very nearly half and half. A partial disability due to an illness or injury may prevent a physician from performing some of his
May is Physician Disability Insurance Awareness Month
Maybe it’s just a coincidence that May is both National Arthritis Awareness Month and Disability Insurance Awareness Month. But with the recent study released by Global Burden of Disease that found that musculoskeletal (MSK) conditions are the second greatest cause of disability, it serves as a
Physicians Should Base Disability Insurance on Reality, not Rules of Thumb
In countless blog posts here we have stressed the importance of understanding the definition of “disability” in choosing a physician’s disability insurance plan. More than any other type of professional, physicians must be able to protect their specific occupation and specialty from the prospect of
Will Your Disability Policy Protect You at the Next Level?
The medical profession is unusual in many respects, but one in particular sets it apart from all most other professions; and that is the meteoric rise in income most medical professionals experience beginning the day they complete their residency. And unlike most other professionals, physicians are
Disability Insurance for Military Doctors: Military Doctors May Lose Coverage
Story at-a-glance Military doctors lose key disability protections once they leave active duty—especially for non-service-related issues.VA disability coverage requires documentation during service, making post-separation claims difficult to win.Undiagnosed conditions can surface later,
Why Medical Students Need Disability Insurance
Story at-a-glance Medical students face major financial risk—most carry $119K–$150K+ in student debt with little to no income.Rising tuition and stagnant physician salaries have widened the debt-to-income gap.A disability in med school can derail your future, with no savings or income to fall
Dovetail Your Disability and Health Coverage
Story at-a-glance Integrating health and disability insurance helps employees better navigate illness, injury, and financial risk.Early symptom care reduces disability risk—when employees understand their health benefits, they seek treatment sooner.Out-of-pocket medical costs add up fast, even
Doctor Disability Insurance: Will Your Coverage Keep Up With Your Income?
Story at-a-glance Your income will grow—your disability insurance should too or you risk being underinsured.Most policies don’t adjust over time, leaving high earners stuck with outdated benefits.Future increase riders let your coverage grow without reapplying or requalifying.Inflation and