Physician Disability: Physicians Working From Home
Historically, physicians’ offices were both living and working spaces. Many doctors worked in living spaces with a medical practice area. Today, the process is almost unheard of. However, some physicians are returning to the old days and embracing a “new” style of practice management, working entirely out of their home. This brings different risks to your profession, which is why we suggest investing in Physician disability insurance.
It can be difficult to set up practices. Some municipalities enacted zoning laws that barred a wide variety of businesses from setting up in residences. Some can’t get the permits or aren’t allowed to practice in their homes, even if they would like to. Various issues such as zoning laws, signage, the equipment permits, and even parking space issues must be accommodated.
Having a more unique setting for your practice also exposes you to unique risks you typically wouldn’t face in a hospital setting. You’ve taken the time to carefully evaluate and set up your practice- but what about you?
In addition, working where you live presents challenges, especially in maintaining a work-life balance. It can be difficult to “turn off” at the end of the day when your job and your personal life are separated by a single door. Even the layout of the house is important. Many physicians have separate entrances, designating one specifically for the patients, to maintain a living/working separation.
Burnout is also a problem among physicians, and can even lead to physical ailments. What would happen if you were unable to work due to an injury or illness? The pains you took to establish a successful practice at home would be fruitless. What’s more, your income would be threatened.
Make sure you have physician disability insurance. Even if you have a group policy, physician disability plans can help cover the income gaps where workers comp and other policies fall short.