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
Study: Long Work Hours Triple Women’s Risk Of Life Threatening Chronic Illnesses
Story at-a-glance Long work hours increase disease risk—especially for women. A 32-year study shows that women working 50–60+ hour weeks triple their risk of heart disease, diabetes, arthritis, and cancer by age 50.Men fare better—but not immune. Men saw higher arthritis rates, but no major
Social Security Disability Benefits Basics
Story at-a-glance SSDI provides only basic income protection – with average benefits around $1,500/month, SSDI is designed as a minimal safety net, not a full income replacement.Eligibility is strict and limited – SSDI only covers total and long-term disabilities and is notoriously difficult
How Much Disability Insurance Do I Need? A Guide For Physicians and Medical Students
Story at-a-glance Most physicians need as much coverage as they can qualify for—typically 60–65% of their current income, which reflects standard insurer limits.Future earnings matter—if you’re in residency or med school, your real need is based on your future attending income, not your