Dermatology & disability insurance

Occupation class notes

Favorable, largely non-surgical occupation class — most work is office-based.

Own-occupation & rider considerations

Dermatology is usually underwritten favorably given its largely non-surgical, office-based practice pattern, similar in spirit to primary care and internal medicine.

A residual/partial disability rider is still worth prioritizing — a repetitive-strain or standing-related limitation can plausibly reduce clinical hours well before it stops someone from practicing entirely.

A future increase option is relevant for physicians building toward practice ownership or a cosmetic-heavy practice, where income can grow substantially beyond the specialty median.

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