Story at-a-glance Know your loans first—check balances, interest rates, and repayment terms at studentaid.gov.Choose the right plan: PSLF and income-driven repayment options like SAVE or PAYE offer flexibility and potential forgiveness.Refinance wisely: Only consider this if you're not using

Story at-a-glance You’re more likely to become disabled than die during your working years as a doctor.Disability insurance protects your income and lifestyle—even if you never need to use it.Most physician disabilities aren't dramatic injuries—they’re chronic, mental health, or neurological

Story at-a-glance Your health today locks in your future insurability—waiting means risking exclusions or higher costs.Rates are lowest in residency, and they rise each year you delay.Group policies aren’t enough—they’re taxable, limited, and not always true own-occupation.GSI plans (no

Story at-a-glance GSI gives you disability coverage with no medical exam—even if you have pre-existing conditions.Perfect for residents and fellows, GSI is fast, hassle-free, and guaranteed if your program offers it.If you're healthy, a fully underwritten policy may offer better pricing and

Story at-a-glance Choose a company that specializes in doctors—they offer better benefits and discounts.Check financial strength ratings—you want a company that will still be around to pay your claim.Look for own-occupation, guaranteed renewable, and strong riders.Great claims service

Story at-a-glance Start with “own-occupation” coverage—it protects your income if you can’t do your specific job.Look for guaranteed renewable & non-cancelable—your rates and coverage stay locked in.Choose the right benefit amount, benefit period, and elimination period for your needs.Add

Story at-a-glance Guaranteed renewable and non-cancelable means your rates and policy can’t change—ever.Your premiums stay locked in, even if your health or industry changes.Your policy can’t be canceled or watered down, as long as you pay on time.Group and association policies lack these

Story at-a-glance Disability insurance replaces about 60% of your income if you can’t work.Residents can get $5K–$7.5K/month, with options to increase coverage later.Attendings and dentists can get $10K–$30K/month, depending on income and existing coverage.Future Increase Options let you grow