Story at-a-glance GSI gives you disability coverage with no medical exam—even if you have pre-existing conditions.Perfect for residents and fellows, GSI is fast, hassle-free, and guaranteed if your program offers it.If you're healthy, a fully underwritten policy may offer better pricing and
How Do I Choose the Best Disability Insurance Company?
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .A working broker's guide to evaluating the insurance company itself, not just the policy, including how to check financial strength yourself, what claims service actually tells you, and
How Do I Choose the Best Disability Insurance Policy?
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .The short answer: the best policy is a true own-occupation, non-cancelable individual policy sized to your income, with the right riders and a definition of disability you've actually
What is “Guaranteed Renewable and Non-Cancelable” Coverage, and Why is it Important for Doctors?
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .A working broker's guide to two contract guarantees that are usually sold together but are not actually the same thing, and why the difference matters more than most physicians realize
How Much of My Income Will Disability Insurance Replace if I’m Unable to Work?
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .Disability insurance is sized off carrier issue and participation grids, not a flat percentage of income. The dollar amount you can actually secure depends on your training stage, your
What is Disability Insurance and How Does It Work?
Story at-a-glance Disability insurance replaces your income if you get too sick or hurt to work.Most policies cover up to 60% of income—enough to pay your bills and stay afloat.Doctors need “own-occupation” coverage, so you’re protected if you can’t do your exact specialty.Key features include
Why Do I Need Disability Insurance?
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .The short answer: your income is your largest financial asset, and disability insurance is the only thing that protects it. A 35-year career as a physician can generate $18 million or
Disability Insurance for Physicians and Medical Residents
Reviewed by Chuck Krugh, CFP®, CLU®, ChFC®, Founder and CEO of DoctorDisability.Last updated .A working broker's guide to disability insurance for physicians, dentists, and residents: what it actually covers, how the training years differ from the attending years, and where a