Story at-a-glance Needlestick injuries are nearly unavoidable in training, with 99% of surgical residents reporting at least one incident by the end of residency.These injuries can have serious physical, emotional, and financial consequences, from disease transmission to career
Misguided Missiles: Sleep-Deprived Medical Residents and Motor Vehicle Accidents
Story at-a-glance Medical residents are routinely placed at risk for drowsy driving crashes due to extreme shift lengths and sleep deprivation.Studies show drowsy driving can be as dangerous as drunk driving, doubling the risk of crashes after extended shifts.Real-life incidents reveal serious
Why Use a Broker (Not a Captive Agent) for Physician Disability Insurance
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .For physician and dentist disability insurance, working with an independent broker is almost always the better choice over a captive (career) agent. Three reasons: insurance carriers
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MSK conditions like arthritis and back pain are a leading cause of physician disability.Many doctors rely on group or outdated coverage that may fall short when they need it most.Repetitive clinical work puts physicians at higher risk for joint-related conditions.Use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