Education first
Guides
These are the concepts that matter most before you talk to anyone selling a policy.
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Own-occupation vs. any-occupation
The single most important thing physicians misunderstand about disability insurance.
Why group LTD isn't enough
The 60%-of-salary, capped, and taxable trap most employed physicians don't know they're in.
Riders, explained
Residual, future increase option, cost-of-living, and catastrophic disability riders — what they actually do.
By specialty
Occupation class and own-occupation availability vary by specialty.
Family MedicineInternal MedicineEmergency MedicineAnesthesiologyGeneral SurgeryOrthopedic SurgeryDermatologyOB-GYNPsychiatryRadiology
Related decision
Disability coverage is one piece of a physician's financial picture — the other big one is student loan repayment strategy. Model PSLF vs. refinancing vs. aggressive payoff at MedDebt →