Story at-a-glance Less than 5% of disabilities are work-related—meaning workers' comp won’t protect most physicians.Despite the risk, over half of medical professionals haven’t researched disability insurance.Physician disability insurance replaces your income if illness or injury keeps you

Story at-a-glance Disability insurance protects your income if you can’t work—just like life insurance protects your family if you die.Use a needs analysis to calculate how much coverage you actually need based on income, family, assets, and liabilities.Doctors should aim to replace at least

Story at-a-glance Your elimination period (waiting time) and benefit period (payout length) have the biggest impact on cost.Longer elimination periods lower premiums—but you need enough savings to cover the gap.Short benefit periods save money upfront but may leave you uncovered long-term.For

Story at-a-glance Comparing disability insurance quotes requires more than checking premiums.Key features to evaluate include: elimination period, benefit period, monthly benefit, own-occupation definition, and job classification.Two policies with the same price can offer very different levels

Story at-a-glance Doctors face real risks: 1 in 2 men and 1 in 3 women will develop cancer, and heart attacks strike every 34 seconds.Critical illnesses can end medical careers and cost individuals up to $1 million.Even with health insurance, the financial burden can be overwhelming.Doctor

Story at-a-glance Young professionals are more likely than older adults to face long-term disabilities.A 25-year-old with a disability may be out of work for over 4 years on average.That lost income could total $400,000–$475,000 or more.Disability insurance protects your income if you can’t

Story at-a-glance Young professionals face high odds of long-term disability—up to 80% by age 25.Disabilities can strike anytime, often when you least expect it.Your income is your most valuable asset—disability insurance protects it.Don’t bet on luck. Protect your finances with a policy that

Story at-a-glance Losing your income due to disability could cost you millions over your career.A 30-year-old earning $168K/year could miss out on nearly $6 million without protection.Disability insurance helps you keep earning—even if you can’t work.Protect your lifestyle, your family, and