A physician's biggest asset is income.
Protect it by getting your quotes today. Click the button on the right.

Not all disability insurance policies are created equal. Once of the most critical features of a disability insurance policy, especially for physicians, is the definition of disability.

You may have heard of own-occupation or specialty specific disability insurance. This is exactly the type of disability insurance a physician needs to secure. However, you must be very careful as may companies claim to have own-occupation disability, but their contracts do not contain a true own-occupation definition of disability.

True Own-Occupation: Covers physicians who become disabled and are unable to perform the material and substantial duties of their occupational (specialty). The policy will continue to pay benefits as long as you are disabled even if you can work full-time in another occupation.

Modified Own-Occupation: Covers physicians who become disabled and are unable to perform the material and substantial duties of their occupational (specialty). The policy will continue to pay benefits as long as you are disabled EXCEPT if you are able to return to any occupation.

As a physician, the most critical element to consider is the definition of disability. If a policy does not provide true own-occupation coverage for your entire benefit period, you should keep looking.

INDEPENDENT & UNBIASED

We are independent and unbiased... but what does that mean?

Most physicians should employ the services of a financial professional to assist in their acquisition of disability insurance.

These analysis services are generally free and very helpful. However, it is important to use independent, unbiased advisors and not single-company insurance salesmen. Physicians typically should not buy a disability insurance policy solely based on the recommendation of anyone who only can represents one company as they are biased and are not looking at other options which may actually be better for you and your unique life circumstances. Independent advisors can shorten your research time by providing an unbiased analysis of your best options that is focused on fitting the best company and policy to your specific situation.

Independent advisors can shorten your research time by providing an unbiased analysis of your best options that is focused on fitting the best company and policy to your specific situation.

Get Your Quotes Today!

DISABILITY INSURANCE COMPANIES

DID YOU KNOW?

The greatest financial asset you will probably ever own is your your career income!

Protect your most valuable asset with true, own-occupation physician disability insurance. You would insure a car that is worth $30,000 and a house that is worth $250,000. Shouldn't you insure your career income which is worth tens of millions of dollars???

Physician Disability Insurance Facts:

  • 1 in 4 Americans in the workforce will suffer a disabling injury before retirement 350,000 bankruptcies per year can be attributed to unexpected injuries or illnesses
  • 65% of applicants for disability benefits through Social Security are denied the first time
  • If you can't practice as a physician, who will provide income for you?

Secure your own paycheck with a true, own-occupation physician disability insurance policy.

Contact us today and let our physician-only Advisors assess your financial picture, future goals, and any health concerns you may have and provide you with your best options for a true, own-occupation physician disability insurance policy.

Call Today 888-848-0786