Story at-a-glance Military doctors lose key disability protections once they leave active duty—especially for non-service-related issues.VA disability coverage requires documentation during service, making post-separation claims difficult to win.Undiagnosed conditions can surface later,
Doctor Disability: Staying Home When You’re Sick
Story at-a-glance Flu season increases presenteeism—working while sick lowers productivity and spreads illness.80% of physicians work while ill, risking their own recovery and their patients’ health.Presenteeism in healthcare can cause harm, linking sick clinicians to outbreaks like flu and
Why Medical Students Need Disability Insurance
Story at-a-glance Medical students face major financial risk—most carry $119K–$150K+ in student debt with little to no income.Rising tuition and stagnant physician salaries have widened the debt-to-income gap.A disability in med school can derail your future, with no savings or income to fall
Doctor Disability: Why You Need Physician Disability Insurance
Story at-a-glance Physicians have high incomes to protect—but traditional safety nets like Social Security fall short.Medical school debt is massive, with most grads owing $119K–$150K+ that still needs paying if you’re disabled.Most disabilities aren’t work-related, so workers’ comp doesn’t
Dovetail Your Disability and Health Coverage
Story at-a-glance Integrating health and disability insurance helps employees better navigate illness, injury, and financial risk.Early symptom care reduces disability risk—when employees understand their health benefits, they seek treatment sooner.Out-of-pocket medical costs add up fast, even
Doctor Disability Insurance: Importance of Cost of Living Adjustment
Story at-a-glance Missing key riders can cost you—especially the Cost of Living Adjustment (COLA) that protects against inflation.COLA keeps your benefits growing—flat-rate or CPI-linked options ensure your payout keeps pace with rising costs.Inflation hits hard over time—especially for
Doctor Disability Insurance: Will Your Coverage Keep Up With Your Income?
Story at-a-glance Your income will grow—your disability insurance should too or you risk being underinsured.Most policies don’t adjust over time, leaving high earners stuck with outdated benefits.Future increase riders let your coverage grow without reapplying or requalifying.Inflation and
Doctors Disability: Lock in Protection Before It’s Too Late
Story at-a-glance 75% of disabled Americans face financial hardship—and doctors aren’t immune.1 in 4 workers will become disabled before retirement, risking total income loss.Waiting to get coverage can cost 5X more—or leave you uninsurable entirely.Disability insurance protects your income