Story at-a-glance Waiting costs you coverage and cash. Rates rise ~3% yearly; one health issue can block eligibility. Your income is your real asset. Disability insurance protects your $10M+ career earnings. Residents get lifetime savings. Lock in discounts and stronger coverage before you

Story at-a-glance Disability insurance = love, not fear. It protects your family and lifestyle if you can’t work.Your income is your foundation. One illness or injury can stop it—insurance keeps it secure.Own-occupation coverage matters. Doctors still get paid even if they can’t perform their

Story at-a-glance Doctors’ biggest asset is their income, not their health. Disability insurance protects that.Even healthy doctors can lose income suddenly from illness or injury — it happens every day.Buying early saves money: lower rates, no exams, full coverage before health issues

Story at-a-glance You’re protecting your future attending income, not just your resident salary.You lock in the lowest possible rates while you’re young and healthy.Injury or illness can strike anytime—waiting puts your income at risk.Guaranteed coverage is only offered during residency (no

Story at-a-glance Physicians face higher-than-average disability risk—due to stress, long hours, and physical demands.Burnout, musculoskeletal pain, and mental health struggles are common and can disrupt your ability to practice.Disability insurance protects your income if you can’t work due

Story at-a-glance Insurance companies review your medical records—even small or old notes can impact approval or pricing.Doctors sometimes use “stronger” diagnosis codes to help with health insurance—but these raise red flags in disability underwriting.You could face exclusions, higher

Story at-a-glance Self-prescribing shows up on your record—even one-time prescriptions are tracked by insurance companies.No medical records = red flags—underwriters can’t verify why you took the drug or if the condition is resolved.This can delay, increase, or deny your coverage—even for

Story at-a-glance Insurance agents can’t change your rate—only the insurance companies set prices, and they’re approved by state regulators. Lower quotes often mean cut coverage—some agents remove important riders like own-occupation or COLA to reduce the premium. Wrong job class = bad