Internal Medicine & disability insurance

Occupation class notes

Favorable occupation class, similar to primary care.

Own-occupation & rider considerations

Internal medicine shares primary care's generally favorable occupation class, though hospitalist and inpatient-heavy tracks can involve more physically demanding shift schedules worth mentioning to an underwriter.

As with family medicine, a residual disability rider is usually a strong value given how often physicians in this specialty reduce hours rather than stop practicing entirely after a health event.

If pursuing an academic or research-heavy track where income growth is slower, a cost-of-living adjustment rider may matter more than a future increase option.

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