Story at-a-glance Disability insurance isn’t “set it and forget it.” Your life and income change—your policy should keep up.Riders can expire without notice. If you miss a deadline, you could lose the right to increase coverage without new medical underwriting.Life events = time to review.
Disability Among Medical Students Up To 9 Times Higher Than Previously Believed
Story at-a-glance Disability in med school is more common than we thought. New research shows up to 2.7% of med students are receiving accommodations—9x more than previous estimates.ADHD, learning disabilities, and mental health conditions are the most commonly reported issues—not just
Disability Insurance and Medical Specialties
Story at-a-glance Not all disability insurance is created equal. “Own occupation” policies pay if you can’t work in your medical specialty—even if you can still work elsewhere.Your specialty matters. Orthopedic or cardiac surgeons may be unable to perform surgeries but still capable of working
Why is Disability Insurance More Expensive for Women?
Story at-a-glance Women pay more for disability insurance because they file more claims, especially earlier in life, due to pregnancy, autoimmune conditions, and mental health challenges.Insurance companies use historical claims data to set premiums—and women consistently have higher
Common Disability Insurance Riders
Story at-a-glance Riders add important protections and customization to your disability policy—some are free, others cost a small premium.The Own Occupation Rider is essential for physicians, ensuring benefits are paid if you can’t work in your medical specialty—even if you can work
Why People In Their 20s and 30s Need Disability Insurance
Story at-a-glance Disability doesn’t just affect older adults—serious health conditions often strike in your 20s and 30s, right as your medical career begins.Pregnancy complications are the #1 cause of disability claims among Millennial women, accounting for 64% of short-term and 20% of
The Different Types of Disability Insurance
Story at-a-glance Short-term disability covers income loss for a few weeks to two years with fast benefit payouts—ideal for temporary injuries or illnesses.Long-term disability kicks in after an exclusion period and pays for years, protecting 50–65% of your income.Own-occupation coverage
What To Look For in a Physician’s Disability Insurance Policy
Story at-a-glance Own-Occupation Coverage is essential – it protects you if you can’t work in your specific specialty, even if you could work in another job.Guaranteed Renewable & Non-Cancellable policies give you rate stability and long-term contract protection—critical for doctors.A