Many people we speak with ask us why they should purchase their own disability insurance when their employer already offers a general group plan for all the employees. There are many reasons why doctors and dentists, especially, should own their own individual disability policies. Here are some of
Why Medical Students Need Disability Insurance
Story at-a-glance Medical students face major financial risk—most carry $119K–$150K+ in student debt with little to no income.Rising tuition and stagnant physician salaries have widened the debt-to-income gap.A disability in med school can derail your future, with no savings or income to fall
Doctor Disability: Why You Need Physician Disability Insurance
Story at-a-glance Physicians have high incomes to protect—but traditional safety nets like Social Security fall short.Medical school debt is massive, with most grads owing $119K–$150K+ that still needs paying if you’re disabled.Most disabilities aren’t work-related, so workers’ comp doesn’t
Doctor Disability Insurance: Will Your Coverage Keep Up With Your Income?
Story at-a-glance Your income will grow—your disability insurance should too or you risk being underinsured.Most policies don’t adjust over time, leaving high earners stuck with outdated benefits.Future increase riders let your coverage grow without reapplying or requalifying.Inflation and
Disability Insurance for Aging Physicians: Protecting Your Career and Retirement
Story at-a-glance 1 in 5 U.S. physicians is over age 65, facing rising health risks while continuing to practice.Common conditions like cognitive decline, chronic illness, and mobility issues can disrupt a medical career.Longer careers mean greater risk of disability—yet many doctors can’t
Physicians Ignore Their Own Health—And It’s Costing Them
Story at-a-glance Many doctors struggle with their own health—up to 37% are overweight, and most cite lack of time for exercise.A physician’s health directly impacts their ability to work; 1 in 5 disabled doctors is out for over a year.Physician disability insurance protects your income if