Story at-a-glance MetLife offered one of the best “own occupation” disability policies for doctors—but they stopped selling new policies in 2016.These policies were up to 20% cheaper than other similar options, making them a standout value for physicians.Without MetLife, pricing on similar

Story at-a-glance Group disability insurance isn’t enough. Most employer plans don’t offer true “own occupation” protection, leaving physicians vulnerable.Individual policies are portable and customizable. You keep your policy even if you change jobs and can add essential riders like COLA and

Story at-a-glance Group disability plans are designed to be cheap, not comprehensive—they often lack own-occupation coverage.Coverage usually isn’t portable, so if you change jobs or go into private practice, you may be left unprotected.Your employer can cancel coverage anytime, and if your

Story at-a-glance Disability insurance isn’t just a product—it’s a long-term promise you may rely on for decades.Not all insurers are equal—financial strength, claims reputation, and risk management vary widely.A carrier’s Comdex rating (90 or above) helps ensure they can pay your benefit when

Story at-a-glance Most physicians have disability insurance—but many rely too heavily on group plans like AMA, which come with serious limitations.AMA policies can be changed or canceled at any time, offer limited partial benefits, and often increase in cost every five years.Individual