Ensure your policy defines disability as the inability to perform your specific medical specialty, not just “any job.” Without this, you may be denied benefits if you can work in another field (e.g., consulting, teaching).
Not all disabilities prevent you from working entirely. Residual or partial disability benefits provide income if you’re still able to work but at reduced capacity, preventing financial strain.
Your income will rise dramatically post-training. A Future Insurability Option (FIO) lets you increase coverage without medical exams—critical for maintaining protection as earnings grow.
Locking in disability insurance during residency ensures lower rates, stronger coverage, and protection for your future income.
Not all disability policies are created equal—learn what’s covered, what’s not, and why the right policy matters.
Riders can make or break your coverage—discover the must-have add-ons that enhance your policy’s protection.
Employer coverage is a start, but private disability insurance offers stronger, more flexible protection for physicians.
Many physicians make costly mistakes when choosing disability insurance—learn how to avoid them and secure the right coverage.