Story at-a-glance Physician disability insurance is no longer a one-size-fits-all product—it’s now a niche market with limited carriers and specialized features.These policies have complex, moving parts that must be carefully tailored to your specialty, income, and career trajectory.Products
Disability Statistics vs. Common Misperceptions
Story at-a-glance Many physicians underestimate their true risk of disability, often believing it’s just 1 in 100—despite data showing a 1 in 5 chance before age 65.Most disabilities aren't caused by accidents, but by common conditions like musculoskeletal disorders, chronic pain, and
Physician Residual Disability Benefit Critical for Max Protection
Story at-a-glance Nearly half of physician disabilities are partial, not total—yet many policies don’t fully cover partial income loss.Residual (partial) disability benefits vary widely between insurance companies and may not work well for self-employed physicians.Without a recovery rider,
May is Physician Disability Insurance Awareness Month
Story at-a-glance MSK conditions like arthritis and back pain are a leading cause of physician disability.Many doctors rely on group or outdated coverage that may fall short when they need it most.Repetitive clinical work puts physicians at higher risk for joint-related conditions.Use
Business Overhead Expense: A Real Risk that Needs a Real Solution
Story at-a-glance A disability can shut down your practice—even if your personal income is covered, your office expenses won’t be.BOE insurance keeps your practice afloat by covering rent, salaries, and other fixed costs during your disability.Individual BOE policies offer stronger protection
Physicians Should Base Disability Insurance on Reality, not Rules of Thumb
Story at-a-glance Physicians need specialty-specific protection, especially with a 1 in 8 chance of being disabled before age 65.Don’t rely on rules of thumb—benefit amounts and elimination periods must match your actual expenses and savings.Monthly benefits should reflect real needs, not just
Will Your Disability Policy Protect You at the Next Level?
Story at-a-glance Physician income can skyrocket post-residency, making early disability coverage quickly outdated.Standard policies may only cover a fraction of a physician’s new, higher income—creating a serious gap in protection.Future increase riders are key, allowing coverage boosts
Doctor Disability: CHDP Preventive Care Can Prevent Disability
Story at-a-glance Consumer-Directed Health Plans (CDHPs) are growing, offering high-deductible plans paired with health savings accounts.CDHPs encourage smarter healthcare spending, including increased use of preventive care.Busy medical professionals often skip their own preventive care,