Story at-a-glance Emma, an OB/GYN resident, bought disability insurance early—then needed it just 6 months later.A benign brain tumor forced her off work for 7 months, but her policy covered her expenses and gave her peace of mind.She recovered, returned to practice, and exercised her benefit

Story at-a-glance Locum tenens doctors lack employer benefits, making private disability insurance essential for income protection.Irregular income and high financial obligations increase the risk of financial hardship during illness or injury.Diverse work environments add unique risks, making

Story at-a-glance Disability can strike anyone—even residents. One unexpected injury can jeopardize your future income and career before it starts.You're already worth millions. The potential lifetime earnings of a doctor make even a small policy essential protection.Student loan debt doesn't

Story at-a-glance What counts as “disabled”? – Look for true own-occupation coverage that protects your specialty for the full benefit period.Can you still earn income elsewhere? – Top-tier policies let you work in another field while still receiving full benefits.How soon do benefits start? –

Story at-a-glance Student loans don’t disappear if you’re disabled – Even if you can’t work, you’ll likely still owe what you borrowed.Loan forgiveness is limited and slow – Federal discharge only applies to total and permanent disability—and approval can take years.Disability benefits can be

Story at-a-glance Yes, medical students can benefit – Even without income, you can protect your future earning potential with low-cost coverage.Disability can strike young – Chronic illness, accidents, and injuries often onset in your 20s.Lock in future insurability now – A future increase

Story at-a-glance Disability insurance is still medically underwritten – Unlike health insurance, you can be denied coverage or charged more if you have a health history.Exclusion riders help you get coverage – They allow insurers to approve your policy while excluding claims related to

Story at-a-glance Disability insurance pays if you can’t work—but what if you can work but are still hit with big expenses from cancer, a heart attack, or MS?Critical illness insurance pays a lump sum when you're diagnosed with a covered condition—even if you're still able to work.The two