You’ve invested years in your medical training

We help you protect what matters most—your ability to practice your medical specialty.

Two physicians are studying insurance documents

a young woman military physician dressed in army fatigues

A group of training physicians walking down a hallway

No medical exam or Rx check. No exclusions. Just gold standard protection for your medical career.

Disability Insurance built for physicians, by specialists with decades of experience advising medical professionals. Guaranteed coverage during residency or fellowship. No health questions. No waiting.

Services

Disability Insurance for Military Physicians + Dentists

Our experts understand your service and secure you coverage to protect your ability to practice medicine in your specialty. Take advantage of permanent savings while you’re in uniform, before you complete your separation physicals.

Disability Insurance 101

A man in military fatigues against a blue background

Andy was willing to meet with us anywhere to discuss the policies. He guided us through every point of the policy individually and explained all the stipulations and everything else. He answered all questions thoroughly and completely. We are very happy with our service through Andy and his company.
– D.W.
Urogynecological Surgeon, Michigan

DI4MDS established my disability coverage during my residency. They were the only company able to provide a discounted, guaranteed approval plan for all the Residents & Fellows at my training hospital. The majority of the Residents and the Attendings utilize their services as well. My policy protects me in my medical specialty, and was the most cost-effective and comprehensive plan available. They are knowledgeable, efficient, available and personable. I recommend them to everyone I know.
– K.K.
Interventional Spine and Pain Management, California

I spent a lot of time trying to find another insurance agency that could beat DI4MDS’ cost and level of service and couldn’t. A number of my colleagues spent a lot of time looking at other companies as well and we all came to the same conclusion: DI4MDS has both the best rates and the best customer service. And it’s not even close.
– S.H.
Anesthesiology, California

Andy made the process of getting Disability and Life Insurance extremely easy. He is honest and truly works for his clients. I would highly recommend him.
– J.H.
Ophthalmic Surgeon, California

Andy and his team have been nothing but professional, thorough, and extremely knowledgeable throughout the process of setting up disability coverage. I could not recommend them more highly!
– D.T.
Pulmonary/Critical Care Medicine, Colorado

I retired at age 50 because of Parkinson’s disease. Several years before that Andy approached me about adding some additional disability insurance to equal my current salary. Although I thought I was covered quite adequately, Andy was very helpful and knowledgeable about showing me the pros and cons of adding additional insurance. I received that additional benefit for 15 years. What a blessing Andy and his staff have been to my family and me. They assisted me in making the claim process so easy and I can recommend him highly and without hesitation. (He has also sent me birthday and Christmas cards for 25 years without a miss.)
– U.P.
Mohs Surgeon, Florida

As an active-duty military physician, I searched for years for a company that could provide me the amount of supplemental DI coverage I wanted, and I finally found DI4MDS. Andy and his team have been everything I could have imagined and were the only people who could secure the DI I needed. I’ve recommended them to countless colleagues and will continue to do so.
– J.S.
Emergency Medicine, Tennessee

Cut through the insurance jargon—we break down what matters for our physician clients.

Who Needs Disability Insurance?

If you’re a physician, you need disability insurance. It’s that simple. You’ve invested years in your ability to practice medicine in your specialty. Securing coverage while you’re young, healthy, and qualify for the best rates is ideal. We recommend working with an experienced team with relationships with the major insurers who understand the unique financial realities physicians face.

How Do I Qualify For Disability Insurance?

Disability insurance is the hardest type of insurance to qualify for. One note in your medical record can result in exclusions or denial. Residents and fellows at our partner institutions bypass this entirely with pre-approved coverage and can avoid medical underwriting (evaluating your health history) and financial underwriting (verifying your income).

How Much Disability Insurance Can I Qualify For?

Residents and fellows can establish $5,000 – $8,000 monthly coverage regardless of current income. Practicing physicians can typically insure 60-70% of gross income. The amount you qualify for depends on income, specialty, and existing coverage. If you establish coverage with future increase options during training, you can add additional income protection in the future without medical underwriting.