Your group LTD probably covers less than you think
Most hospital- and health-system-employed physicians already have some group long-term disability coverage. The problem usually isn't that it's worthless — it's that it's smaller, more capped, and more taxed than the benefits summary makes it look.
Typical group LTD replacement
~60% of salary
Often capped in dollar terms and taxable if your employer paid the premium — see the group LTD gap guide for the full breakdown.
Typical monthly gap (avg. across specialties)
$18,573/mo
Uses the average sourced median income across our 6 tracked specialties, with a $5,000/mo group LTD benefit assumed.
Carriers compared
5
Guardian, Principal, MassMutual, The Standard, Ameritas — see the full comparison.
Guides by specialty
See your specific numbers
Pre-filled based on what's typical for this situation — adjust anything before you rely on it.
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