Family Medicine & disability insurance

Occupation class notes

Typically favorable occupation class — lower risk perception.

Own-occupation & rider considerations

Family medicine is usually underwritten favorably since the day-to-day duties are broad and not dependent on fine motor skills or high-acuity procedures.

The residual/partial disability rider tends to be the highest-value add here: a common real-world pattern is cutting back to part-time due to a chronic illness rather than stopping work entirely, and a base policy without residual coverage often pays nothing in that scenario.

A future increase option is worth considering early in practice, since income in this specialty commonly grows with panel size or partnership over the first several years.

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