Story at-a-glance Check your policy each January to make sure it still fits your income and life.Compare your benefit to your income. If it’s under 60 percent, it needs a boost.Look at your riders like COLA, residual, and increase options.Review your job’s group plan and fill the gaps with

Story at-a-glance Own-occupation coverage protects your specialty. You’re paid if you can’t perform your medical duties, even if you work elsewhere.It defines “disability” correctly. You’re covered based on the job you had when disabled, not any job you could do.Doctors and dentists need it

Story at-a-glanceYour policy follows you. It’s yours, not your employer’s. Claim = your job at that time. Coverage keys off the work you do when disabled. Going part-time? Benefit you bought stays. Switching specialties or non-clinical? You’re still protected. Look for: non-cancelable,

Story at-a-glanceYour income likely grew. If your benefit didn’t, you’re underinsured. Disability coverage should grow with your career. Check it annually. Use your Future Increase Rider. Boost benefits without a new exam. Review every January. Raises, kids, or loans change your needs. Protect

Story at-a-glanceWaiting 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