Disability Insurance for Physicians
You spent a decade training for your specialty. One illness or injury shouldn't erase that. We find the best true own-occupation disability insurance so your specialty income is protected — even if you can still work in another capacity.
Get Physician Disability Quotes →Why Physicians Need Individual Disability Coverage
Statistically, 1 in 7 physicians will experience a disability that affects their ability to practice during their career. Your ability to perform your specific medical specialty is your single greatest financial asset — and group employer plans often fall short.
Group disability plans typically cover only 60% of your base salary, exclude bonuses, and use an "any-occupation" definition that could deny your claim if you're able to do any work at all.
An individual true own-occupation policy ensures you're covered for your specialty — whether you're an anesthesiologist, a surgeon, or a radiologist — and continues paying even if you take on administrative or teaching roles.
Residents & Fellows
Qualify for $5,000–$8,000/month with no financial underwriting. Lock in rates while you're young and healthy.
Attending Physicians
Insure 60–70% of gross income up to $30,000/month across multiple carriers. Future increase options available.
Practice Owners
Protect both your personal income and business overhead with coordinated individual and business overhead coverage.
Carriers We Compare for Physicians
Top-rated for physicians. Strong own-occupation definition. Unlimited mental health benefit in most states.
Competitive pricing for residents. Strong financial ratings. Excellent future increase options.
Affordable premiums without sacrificing coverage quality. Great for early-career physicians.
True own-occupation definition. Competitive unisex rates available in many states.
Platinum Advantage policy with own-occupation rider. Strong for higher-income specialties.
Disability Coverage by Medical Specialty
Every medical specialty carries its own unique disability risks — from the hand injuries that threaten a surgeon's career to the chemical exposures faced by anesthesiologists. We've built dedicated resources for each specialty so you can get coverage details, carrier comparisons, and quotes tailored specifically to your practice.
Don't see your specialty listed? Contact us — we work with physicians across all specialties and can find the right own-occupation policy for your practice.
Get Your Physician Disability Quotes Today
Takes 2 minutes. No obligation. We'll compare all five carriers and walk you through the best options for your specialty and career stage.
Get Free Quotes →Further reading & authoritative sources
- American Medical Association — professional society and physician practice resources
- NAIC: Disability Insurance — state regulatory definitions and policy provision standards
- IRS Publication 525 — taxable and nontaxable income, including disability insurance benefits