Story at-a-glance Disability insurance replaces your income if you get too sick or hurt to work.Most policies cover up to 60% of income—enough to pay your bills and stay afloat.Doctors need “own-occupation” coverage, so you’re protected if you can’t do your exact specialty.Key features include

Story at-a-glance Your income is your biggest asset—disability insurance protects it if you can’t work.1 in 4 workers face a disability during their career, and doctors are at even greater risk.Group plans from employers don’t cover enough—and they don’t follow you if you leave.A strong

Story at-a-glance Your income is your most valuable asset—disability insurance protects it if you can’t work.Group disability plans have gaps—limited coverage, taxes, and no portability.Individual policies cover more, including bonuses, and are tax-free and portable.Start early to lock in

Story at-a-glance Short-term disability covers a few months—long-term can last until retirement.Short-term = fast payout, less time; long-term = longer wait, bigger benefit.Group plans from work are limited—they may not cover bonuses or be portable.Long-term disability is essential for

Story at-a-glance Get big discounts as a resident—lock in lower rates now and keep them for life.Premiums go up as you age, so starting young saves you thousands over time.Skip the medical exam—many resident offers don’t require one.Your health today is protected—future issues won’t affect

Story at-a-glance No employer = no safety net – As an independent contractor physician, you must secure your own disability coverage or risk financial loss.Own-occupation coverage is critical – Choose a policy that protects your specific ability to practice medicine, not just any job.Customize

Story at-a-glance Your hands are your income – A disability can abruptly end a dental career, making coverage essential.Own-occupation coverage is key – Protects you if you can’t work as a dentist, even if you can work elsewhere.Long-term coverage matters most – Provides income until

Story at-a-glance Lock in huge savings—residents qualify for discounted disability insurance rates that stay with you for life.Age matters—buying young means locking in lower premiums before they rise with age or health changes.Skip the medical exam—many resident-friendly policies don’t