Story at-a-glance Physicians are far more likely to become disabled than to die—making disability insurance a greater financial necessity than life insurance in early and mid-career.1 in 3 workers will be out of work for 3+ months due to disability; 1 in 7 for 5+ years—yet most physicians are
The SSDI Safety Net is Going Broke – Why You Need Disability Insurance
Story at-a-glance SSDI is underfunded and unable to support doctors with meaningful income—benefits are below poverty level and hard to qualify for.Nearly 1 in 20 adults now draws SSDI, draining the system and shrinking payouts as demand surges.Government disability programs require you to be
NFL Players Underscore the Value of Own Occupation Disability Insurance
Story at-a-glance NFL players protect their income with own-occupation disability insurance—because an injury can end their careers instantly.Like athletes, physicians rely on specialized skills that aren’t easily transferable to other high-paying jobs.Own-occupation coverage ensures your
Young Doctor Stricken With Brain Tumor – 1 Year Out of Residency
Story at-a-glance 1 in 4 physicians will face a disability that interrupts their ability to work for 3 months or more.A young doctor, just out of residency, protected her future $7–10 million in earnings with a private policy.Less than a year later, she was diagnosed with a brain tumor and
Which Surgeons Get Injured the Most?
Story at-a-glance Nearly half of orthopedic surgeons report sustaining at least one work-related injury during their career.Hand, back, and neck injuries are common, often requiring weeks of missed work and long recovery times.Most injuries go unreported, and many hospitals offer little or no
Disability Insurance Is Too Expensive
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
What to Look For In a Disability Insurance Policy
Story at-a-glance Not all disability insurance policies are created equal—the language in the contract determines if and when you get paid.The best policies define disability by your own medical specialty and allow you to work elsewhere while still receiving benefits.Riders like residual
What are MY Odds of Becoming Disabled?
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