Think workers’ comp will cover you if you get disabled?
Think again.
Work-related accidents cause less than 5% of all disabilities. That means 95% of the time, you’re on your own.
Yet, 61% of women and 46% of men in the medical field have done zero research on physician disability insurance. Worse? Even when coverage is offered through work, almost nobody buys it.
That’s a problem. Because 1 in 4 working Americans will face a disability at some point. And if it happens to you? Workers’ comp won’t save you.
Why Physician Disability Insurance is Non-Negotiable
If you can’t work, you stop earning. But your bills don’t stop.
A physician disability insurance policy provides a stream of income you can use for anything:
- Medical expenses
- Mortgage and utilities
- Family needs
- Even a vacation, if you want it
Your money. Your choice.
Here’s What Makes It Essential:
- Covers more than workers’ comp – Unlike employer-provided disability plans, this protects your specialty, not just your ability to work in any job.
- Protects partial disability – If you can still work but at a lower income, you’re covered.
- It’s portable – Employer coverage ends when you leave. This stays with you.
What Does It Cost?
A solid physician disability insurance policy costs 1% to 4% of your annual income. In exchange, you get:
- Guaranteed renewal – No surprises.
- Non-cancelable coverage – You control the policy, not your employer.
- Customizable benefits – Choose what works best for you.
Final Thought
Workers’ comp covers almost nothing. Employer disability plans are bare minimum.
Physician disability insurance is the only way to protect your income, your career, and your future.
If you don’t have it, get it. Before you need it.
Ready to protect your future?
Get a personalized side-by-side policy comparison of the leading disability insurance companies from an independent insurance broker.
