Story at-a-glance Short-term disability covers a few months—long-term can last until retirement.Short-term = fast payout, less time; long-term = longer wait, bigger benefit.Group plans from work are limited—they may not cover bonuses or be portable.Long-term disability is essential for

Story at-a-glance Get big discounts as a resident—lock in lower rates now and keep them for life.Premiums go up as you age, so starting young saves you thousands over time.Skip the medical exam—many resident offers don’t require one.Your health today is protected—future issues won’t affect

Story at-a-glance No employer = no safety net – As an independent contractor physician, you must secure your own disability coverage or risk financial loss.Own-occupation coverage is critical – Choose a policy that protects your specific ability to practice medicine, not just any job.Customize

Story at-a-glance Your hands are your income – A disability can abruptly end a dental career, making coverage essential.Own-occupation coverage is key – Protects you if you can’t work as a dentist, even if you can work elsewhere.Long-term coverage matters most – Provides income until

Story at-a-glance Lock in huge savings—residents qualify for discounted disability insurance rates that stay with you for life.Age matters—buying young means locking in lower premiums before they rise with age or health changes.Skip the medical exam—many resident-friendly policies don’t

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