Why Choose Us?
When it comes to securing your financial future as a resident or fellow, trust in us. Our personalized side-by-side comparison services will ensure you get the best disability insurance coverage tailored specifically for you at the ideal cost for your budget.
We focus on helping medical professionals obtain true, own-occupation disability insurance for their medical specialty and family needs. Whether you are a resident, fellow, or attending physician, we are here to help you find the appropriate coverage.
Don't risk your future by failing to protect your most valuable asset, your ability to earn an income. Let us empower you with the information you need to make an informed choice. Your career goals and personal well-being are our top priorities.
Do You Need Disability Insurance?
Your ability to earn an income is your largest asset.
By protecting your income, you protect your whole financial plan, no matter what.
Did you know that nearly half of the one million Americans who filed for bankruptcy protection cited the lack of disability insurance as a factor?
According to the Social Security Administration, 1 in 4 of today’s working Americans will become disabled in their career.
1 in 4 people living in the U.S. will suffer a disability lasting for more than a year before the age of 65. The opportunity cost of lost wages is tremendous.
Most disability claims are not from injury. 90% of disability claims are illness related and only 10% are due to injuries.
Our Disability Insurance Planning Philosophy
We believe that every physician should consider disability insurance. While you may elect to delay the purchase, we think having more information allows for thoughtful decisions. In an ideal situation a physician would purchase:
The appropriate level of coverage
With the highest rated mutual insurance carrier
At the lowest possible cost
What Sets Physicians Disability Insurance Apart?
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We believe that people only buy once education and trust are established.
We start by explaining the disability insurance landscape at a high level - and can deep dive into any topic based on your level of knowledge and experience.
Of course - some folks will just want a diagnosis and treatment plan... we are happy to go that route too.
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We only recommend policies with own-occupation definitions of disability. They are more costly than non-specialty specific coverage, but you want insurance that will cover your specialty.
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Because our focus is Disability insurance, we know what type of policy to look for that will cover you but allow you to only pay for what you really need.
We understand your busy schedule and desire to have the highest quality benefits available.
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Whether you are an anesthesiologist, radiologist, emergency room physician, dentist, or oral surgeon we understand the financial challenges of your specialty and will help you ensure you have the best coverage based on those needs.
