Story at-a-glance Home-based practices are rising—but with more freedom comes bigger financial risk.One injury or illness can shut you down—and there’s no employer safety net when you’re solo.Burnout hits harder at home—work-life blur and constant stress raise your risk of disability.Physician

Story at-a-glance 1 in 3 doctors face a disability before retirement—your income isn’t guaranteed.If you can’t work, your paycheck stops—but your bills don’t.Disability insurance protects your lifestyle when injury or illness takes you out of practice.It’s affordable peace of mind—just 1–3% of

Story at-a-glance Social Security Disability Insurance (SSDI) pays an average of $1,000/month—far below what physicians and dentists need.The system is underfunded, slow, and hard to qualify for, especially for high-income earners.Approval requires proving you're unable to work in any job, not

Story at-a-glance Illness—not accidents—is the leading cause of disability, yet most doctors underestimate their risk.15+ million Americans experience disabling conditions annually, but only 18% have disability insurance.Physicians are especially vulnerable—losing hand, eye, or brain function

Story at-a-glance 1 in 4 people will face a disability before retirement, and for physicians, it’s often due to illness—not injury.Doctors delay care, self-diagnose, and ignore early warning signs—putting their careers at risk.Without own specialty disability insurance, physicians may lose

Story at-a-glance You’re 3X more likely to become disabled than to die before age 65, yet most people don’t protect their income.Long term disability insurance replaces lost income, covering bills, mortgage, and essentials if you can’t work.Other coverage falls short—workers' comp, Social

Story at-a-glance Distractions in the operating room significantly increase surgical errors, especially among less experienced surgeons.A Medpage Today study found that interruptions led to 8x more mistakes during simulated procedures.Even with study limitations, the findings highlight the

Story at-a-glance Disability insurance replaces your income if you can’t work due to illness or injury—yet many professionals overlook it.Physicians face higher disability risk due to demanding work and often carry significant student debt.Social Security Disability Insurance (SSDI) offers