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
Physicians Should Buy Disability Insurance While Young
Story at-a-glance Many physicians delay disability insurance, assuming they’ll get it later—but later is often too late.Early-onset conditions like MS, anxiety, or injuries can make you uninsurable in your 20s or 30s.Group disability plans aren’t portable—leave your job, lose your coverage.A
The Impact of Needlestick Injuries on Physicians
Story at-a-glance Needlestick injuries are nearly unavoidable in training, with 99% of surgical residents reporting at least one incident by the end of residency.These injuries can have serious physical, emotional, and financial consequences, from disease transmission to career
Misguided Missiles: Sleep-Deprived Medical Residents and Motor Vehicle Accidents
Story at-a-glance Medical residents are routinely placed at risk for drowsy driving crashes due to extreme shift lengths and sleep deprivation.Studies show drowsy driving can be as dangerous as drunk driving, doubling the risk of crashes after extended shifts.Real-life incidents reveal serious
AMA Disability Insurance Review Vs. Individual Disability Insurance
Story at-a-glance Most physicians have disability insurance—but many rely too heavily on group plans like AMA, which come with serious limitations.AMA policies can be changed or canceled at any time, offer limited partial benefits, and often increase in cost every five years.Individual
What’s the Best Life Insurance for Physicians? Term Vs. Permanent
Story at-a-glance Term life offers low-cost, temporary coverage, but only pays out about 1% of the time—and premiums rise sharply if renewed after the term ends.Permanent life (like whole life) guarantees lifetime coverage, builds cash value, and pays out 100% of the time—as long as premiums
Disability Insurance for Military Doctors: Military Doctors May Lose Coverage
Story at-a-glance Military doctors lose key disability protections once they leave active duty—especially for non-service-related issues.VA disability coverage requires documentation during service, making post-separation claims difficult to win.Undiagnosed conditions can surface later,
Dr. Disability: Healthy Habits
Story at-a-glance Even the healthiest physicians can get sick or injured, putting their income and career at risk.Physician disability insurance replaces lost income if illness or injury prevents you from practicing.Workers’ comp and health insurance aren’t enough—they don’t protect your