Story at-a-glance
- Residents get special disability discounts that can cut costs for life.
- Megan applied in training and locked in lower rates and strong own occupation coverage.
- Her discount follows her after residency and saves her over $800 every year.
- She can increase coverage later with no new medical exam and with the same discount.
- Residents who wait pay more for life and may miss these training-only deals.
When Dr. Megan Lewis was a third-year OB-GYN resident, she almost waited to buy disability insurance. She figured, “I’ll just get it once I’m an attending — when I have more income.”
But a senior fellow gave her one piece of advice that changed everything:
“Buy it now, while you’re in training. You’ll save thousands — and lock in coverage for life.”
Megan decided to check it out. She requested quotes through DoctorDisability and learned something surprising:
Residents and fellows get special discounts — up to 20% lower rates — through hospital and residency programs.
Those discounts are permanent. They stay with you even after you graduate.
So Megan applied before finishing residency.
Her policy locked in lower “training rates” and an own-occupation definition that protects her as a surgeon. Now, as a practicing OB-GYN, she’s saving more than $800 a year — every year — compared to what it would have cost her as an attending.
And the best part? She can increase her coverage later (with the same discount) — without another medical exam.
The Lesson
The best time to buy disability insurance isn’t when your income is highest — it’s when your health and your discounts are best.
Doctors in training have access to exclusive resident and fellowship pricing that can never be repeated once they graduate.
Next Step: Don’t Miss Your Resident Discount
If you’re in training, now is the time to lock in lower rates for life.
Our team specializes in helping residents and fellows compare top physician policies — quickly and simply.
Request your free disability insurance quotes today.
Start your career protected — and save thousands by acting before graduation.
Ready to protect your future?
Get a personalized side-by-side policy comparison of the leading disability insurance companies from an independent insurance broker.
