Story at-a-glance Your hands are your income and must be protectedOwn-occupation disability insurance safeguards dentist earningsBOE coverage keeps your office running if you’re outLoan protection covers practice debt during disabilityBuying early locks lower rates and stronger
Graduating Resident? Here’s How to Lock in Discounts Before You Lose Them
Story at-a-glance Resident discounts save 10–20% for lifeDiscounts end at graduation and don’t come backApply before you finish training to lock in ratesBuying early protects your health ratingCoverage can increase later with no new exam You’re almost there. Years of sleepless nights, long
Why Training Is the Best Time to Buy Disability Insurance
Story at-a-glance Training is the cheapest time to buy disability insuranceResidents are healthier, which means better approval and ratesExclusive discounts and GSI plans are only available in trainingYou can start small and grow later with no new medical examBuying early protects millions in
Why Your Biggest Asset Isn’t Your Practice — It’s Your Income
Story at-a-glance Your income is worth millions over your careerEverything depends on it — home, family, practice, retirementEmployer plans fall short and often pay far less than expectedDisability insurance protects income when illness or injury hitsProtect income first before any other
Can Doctors Deduct Disability Insurance Premiums?
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .The short answer: most doctors cannot deduct disability insurance premiums — and that's usually a good thing. Paying with after-tax dollars means tax-free benefits later. Here's exactly
What Common Pitfalls Should I Watch Out for When Comparing Disability Insurance Policies & Companies?
Story at-a-glance Price alone can fool you — cheap plans often miss key protections.The definition of disability matters most and can change your whole claim.Not all companies are the same, and some weaken coverage for doctors.Group and association plans have big gaps and should not replace a
Disability Insurance for Married Residents: How to Protect Two Incomes
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .How married resident couples should coordinate disability coverage: training-rate discounts by carrier, applying together as a couple, coordination of benefits, taxes, and what happens if
If I Buy a Cheaper Policy, Am I Sacrificing Important Features So It Might Not Pay When I Need It?
Story at-a-glance Cheaper policies often cut key features that doctors need.Group and association plans look cheap but can change, end, or tax your benefit.Some low-cost individual plans cut corners on riders and definitions.Top carriers like Guardian, MassMutual, and Principal focus on