Story at-a-glance Two incomes mean more safety but also more risk if one stops.Disability insurance keeps money coming in if you get hurt or sick.Both spouses can get training-rate discounts that stay low for life.Most doctors should cover 60–70% of income with room to grow later.Protecting

Story at-a-glance Cheaper policies often cut key features that doctors need.Group and association plans look cheap but can change, end, or tax your benefit.Some low-cost individual plans cut corners on riders and definitions.Top carriers like Guardian, MassMutual, and Principal focus on

Story at-a-glance Check your policy each January to make sure it still fits your income and life.Compare your benefit to your income. If it’s under 60 percent, it needs a boost.Look at your riders like COLA, residual, and increase options.Review your job’s group plan and fill the gaps with

Story at-a-glance Own-occupation coverage protects your specialty. You’re paid if you can’t perform your medical duties, even if you work elsewhere.It defines “disability” correctly. You’re covered based on the job you had when disabled, not any job you could do.Doctors and dentists need it

Story at-a-glanceYour policy follows you. It’s yours, not your employer’s. Claim = your job at that time. Coverage keys off the work you do when disabled. Going part-time? Benefit you bought stays. Switching specialties or non-clinical? You’re still protected. Look for: non-cancelable,

Story at-a-glanceYour income likely grew. If your benefit didn’t, you’re underinsured. Disability coverage should grow with your career. Check it annually. Use your Future Increase Rider. Boost benefits without a new exam. Review every January. Raises, kids, or loans change your needs. Protect

Story at-a-glanceWaiting costs you coverage and cash. Rates rise ~3% yearly; one health issue can block eligibility. Your income is your real asset. Disability insurance protects your $10M+ career earnings. Residents get lifetime savings. Lock in discounts and stronger coverage before you