Your Income Is Growing—But Is Your Disability Insurance?
Doctors’ salaries keep rising—but here’s the problem: Most doctors’ disability insurance doesn’t.
A static payout policy means if you get disabled 10 years from now, you’ll be stuck getting paid a fraction of what you actually earn.
And if inflation spikes? You’re in even worse shape.
The Reality: Your Income Will Grow, But Your Policy Won’t (Unless You Plan for It)
✅ Hospital CEOs saw salaries rise 3.2% in a single year
✅ Nurses, doctors, and healthcare workers continue to get raises
✅ 74% of integrated health systems offer long-term disability, but the general market? Only 33%
If you don’t adjust your disability policy, you’re setting yourself up to be underinsured when you need it most.
Here’s How to Fix It: Future Increase Riders
A future increase rider lets you boost your coverage automatically—without jumping through hoops. No requalification. No new medical exams. Just higher protection as your income grows.
✅ Locks in your ability to increase coverage later
✅ Keeps up with cost of living and salary growth
✅ Prevents inflation from wrecking your payout
What Happens If You Don’t Act Now?
🚨 You’ll earn more but get paid less if you’re disabled.
🚨 You could become uninsurable and stuck with outdated coverage.
🚨 Your financial future is at risk because you didn’t plan ahead.
If you’re serious about protecting your income, you need doctor disability insurance that grows with you.
Ready to protect your future?
Get a personalized side-by-side policy comparison of the leading disability insurance companies from an independent insurance broker.
