Psychiatry & disability insurance

Occupation class notes

Favorable occupation class — outpatient, non-procedural work.

Own-occupation & rider considerations

Psychiatry is generally underwritten favorably as an outpatient, non-procedural specialty, similar to primary care and internal medicine.

A residual/partial disability rider is worth prioritizing given how often psychiatrists reduce caseload due to burnout or health issues rather than stop practicing entirely.

A future increase option is worth considering early in practice, since income can grow meaningfully with a private-pay or specialized practice niche.

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