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Why “Own Occupation” Disability Insurance is a No-Brainer for Doctors

September 19, 2012 by Chuck Krugh, CFP

own occupation disability insurance doctors

Three Out of Four People Facing This Issue Go Broke

A staggering 75% of people diagnosed with multiple sclerosis struggle financially. Two-thirds experience ongoing financial instability. Why? Because they didn’t plan for the loss of income that comes with disability.

As a doctor, your hands, your mind, and your expertise are your biggest financial assets. If you lost the ability to perform your specialty, would you be able to maintain your lifestyle?

Your Career is at Risk Without Protection

Most financial hardship from disabilities isn’t just from medical expenses—it’s from lost income. Conditions like multiple sclerosis, diabetes, heart disease, or Crohn’s don’t just affect the elderly. They impact people in their 20s and 30s, forcing them to reduce hours or leave their careers altogether.

Here’s the kicker: If you wait until you develop a condition, it’s too late to get covered. Insurers will either deny your application or jack up the price.

The Own Occupation Disability Insurance Difference: Keep Earning Even If You Can't Perform Surgery

A standard disability policy might cover you—but only if you can’t work at all. That means if you’re still able to work in any medical role, even outside your specialty, your benefits stop.

With an own occupation disability insurance policy, if you can’t perform your specific medical specialty, you still collect full benefits—even if you take another job.

Think about it: If a surgeon develops hand tremors, they can still teach or consult, but their income could be cut in half or worse. An own occupation disability insurance policy covers that loss.

Lock In Low Rates While You’re Young

One-third of U.S. workers will face a disability during their career. Locking in a policy early ensures you get lower rates and full protection—before any health issues appear.

Don’t wait for a wake-up call. Secure your income now with own occupation disability insurance.

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