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
Are You Affected by the Recent American Dental Association (ADA) Disability Insurance Rate Increase?
Story at-a-glance Dentists saw sharp premium increases in 2023, with men facing up to a 16% hike and women up to 21% under the ADA-sponsored Great West plan.ADA policyholders don’t own their coverage directly, meaning changes can be made without their consent.Future increase options are
MetLife Leaves the Individual Disability Insurance Game
Story at-a-glance MetLife offered one of the best “own occupation” disability policies for doctors—but they stopped selling new policies in 2016.These policies were up to 20% cheaper than other similar options, making them a standout value for physicians.Without MetLife, pricing on similar
Best States for Doctors
Story at-a-glance Doctors thrive in states with low taxes, strong asset protection, and a business-friendly environment.Texas and Florida stand out with no state income tax and strong legal protections for personal assets.Mississippi offers low cost of living and cheap malpractice insurance,
Five Ways To Save on Disability Premiums
Story at-a-glance Disability insurance is a must for physicians—your career is worth millions and needs protection.There are smart ways to save on premiums—without sacrificing coverage.Group discounts (3+ people) and association membership can cut rates by 10–15% or more.Eliminating optional
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
What Do We Know About “The Medical Marriage?”
Story at-a-glance Doctor marriages face unique stressors—like long hours, on-call shifts, and emotional work demands.Despite the pressure, physician marriages last longer and are more resistant to divorce than the general population.Mutual support, shared values, and role clarity are key