Anesthesiology & disability insurance

Occupation class notes

Procedural specialty — confirm own-occ definition strength with carrier.

Own-occupation & rider considerations

This is a highly procedural, vigilance- and fine-motor-dependent specialty, which is exactly the scenario a strong true own-occupation definition is designed to protect — an injury or condition that ends the ability to administer anesthesia safely can occur without making the physician unable to work in any capacity.

Given the higher income level, it's worth confirming a carrier's maximum monthly benefit and issue limits before choosing a policy, since caps that work fine at a primary-care income level can meaningfully undershoot an anesthesiologist's target replacement income.

A future increase option can be valuable in the first several years out of residency, when income typically rises quickly.

Run your own numbers, pre-filled for anesthesiology, in the coverage gap calculator.