For private practice & practice owners
No employer plan means the math starts at zero
Self-employed and practice-owner physicians typically don't have any group LTD benefit at all. Every dollar of income protection has to come from a policy you set up yourself.
Runs in your browserSourced dataIndependent, not an agency
Group LTD coverage
Often $0
Without an employer plan, an individual policy is usually the only protection in place.
Typical recommended benefit (no group LTD)
$23,573/mo
Uses the average sourced median income across our 6 tracked specialties.
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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