Story at-a-glance Disability insurance isn’t all-or-nothing—even a small policy offers meaningful protection if you’re on a budget.Premiums typically range from 1% to 4% of income, and the earlier you buy, the cheaper it is.Discounts are available, especially for residents and early-career

Story at-a-glance Doctors face higher disability risk than other white-collar professionals like lawyers or executives.Over 50% of disabilities last 5 years or more, especially when they begin before age 40.Most disabilities aren’t work-related—95% fall outside workers comp and are caused by

Story at-a-glance Doctors often delay disability insurance, waiting for the “right time”—but life doesn’t wait.Musculoskeletal injuries, multiple sclerosis, and other conditions can strike in your 20s or 30s.If you're disabled, your family may face student loan debt, lost income, and financial

Story at-a-glance Disability can strike unexpectedly—even in your 20s or during residency, before your career truly begins.A young ER doctor’s back injury from a car accident made her uninsurable overnight.Insurance only covers uncertainty—once a condition exists, it’s no longer

Story at-a-glance Many physicians delay disability insurance, assuming they’ll get it later—but later is often too late.Early-onset conditions like MS, anxiety, or injuries can make you uninsurable in your 20s or 30s.Group disability plans aren’t portable—leave your job, lose your coverage.A

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

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