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High Limit DI – Orthopedic Surgeon Case Study
This past month one of our clients reached out to us after becoming partner in a high-volume orthopedic practice. A year ago, his annual income as an associate was $350,000 and he had maxed out his individual disability insurance policy to $15,000/mo. He showed us his new contract which substantiated an increase in his income...
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Physician Disability Insurance Discounts Still Available to Residents/Fellows Finished with Training
Important note for all residents/fellows who have completed training: It is still possible to secure discounts associated with your training institution 60-90 days after the date you officially complete your training. We have talked to a number of residents/fellows who were under the impression they had to apply before they complete training (usually 6/30 of...
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How much does disability insurance cost for physicians?
Naturally, we are often asked “how much does disability insurance cost for physicians?” Since the cost of disability insurance for physicians varies by multiple factors, to get specific numbers please request a quote comparison below. Request Your Quote Comparison The following are the factors that affect the cost: Age – The younger you are, the...
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Disability Insurance for Gastroenterologists
Gastroenterologists are some of the most highly-trained physicians; completing 6 years of postgraduate training. Some choose to sub-specialize further into hepatology. Disability insurance for gastroenterologists protects the income that is generated by the skills learned during training. Below are 4 key guidelines to follow when exploring disability insurance for gastroenterologists. Own Occupation Definition of Disability – It doesn’t take a lot...
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Disability Insurance for Cardiologists
Cardiologists are some of the most highly-trained physicians; completing up to 7 years of postgraduate training. Disability insurance for cardiologists protects the income that is generated by the skills learned during training. Below are 5 key guidelines to follow when exploring disability insurance for cardiologists. Own Occupation Definition of Disability – It is common for cardiologists to subspecialize. It is...
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Disability Insurance for Dermatologists
The work activities of dermatologists require high-level cognitive functioning and certain motor skills. Disability insurance for dermatologists protects the income that these work activities generate. Below are 4 key guidelines to follow when exploring disability insurance for dermatologists. Own Occupation Definition of Disability – Disabled and can’t practice dermatology but can still teach dermatology? Dermatologists with own occupation protection...
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Disability Insurance for Ophthalmologists
Ophthalmologists possess rare cognitive and motor skills. Disability insurance for ophthalmologists protects the income that these skills generate. Below are 4 key guidelines to follow when exploring disability insurance for ophthalmologists. Own Occupation Definition of Disability – It doesn’t take much to disable an ophthalmologist. It is critical that an ophthalmologist have an own occupation coverage definition...
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Disability Insurance for Anesthesiologists
Anesthesiologists represent the highest disability risk out of all medical specialties. Due to this, anesthesiologists pay the highest rates for physician disability insurance. Some companies offer more favorable rates for anesthesiologists who sub-specialize in pain medicine. If you are an anesthesiologist resident planning to go into a pain medicine fellowship, it would be prudent to consider...
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Disability Insurance for Radiologists
Radiologists have unique physician disability insurance needs. They are considered one of the lower-risk medical specialties, so radiologists pay less for physician disability insurance. Radiologists are often-times employed in single specialty groups of radiologists. Due to this, they usually have employer paid disability coverage. Many radiologists are aware of the limitations of such plans, and...
