For Physicians

Physician Disability Insurance Guides & Resources

Learn how to protect your income with specialty-specific disability insurance.

Free Guide: Disability Insurance for Physicians

Key Topics

Understanding Disability Insurance

Own-Occupation Coverage

Understand why 'own-occupation' definitions matter for physicians and how they protect your ability to practice in your specific specialty.

How Much Coverage Do You Need

Learn how to determine the right benefit amount based on your specialty, income, and financial obligations.

Group vs. Individual Insurance

Compare employer-provided group plans with individual policies to understand the differences in portability, benefits, and definitions.

When Should You Buy Coverage

Discover why training is often the best time to secure disability insurance — and what happens if you wait.

FAQ

Common Questions

When should physicians get disability insurance?

The best time to purchase disability insurance is during residency or fellowship. Premiums are lowest when you’re young and healthy, and most carriers offer future increase options that let you add coverage as your income grows — without additional medical underwriting.

The best time to purchase disability insurance is during residency or fellowship. Premiums are lowest when you’re young and healthy, and most carriers offer future increase options that let you add coverage as your income grows — without additional medical underwriting.

The best time to purchase disability insurance is during residency or fellowship. Premiums are lowest when you’re young and healthy, and most carriers offer future increase options that let you add coverage as your income grows — without additional medical underwriting.

The best time to purchase disability insurance is during residency or fellowship. Premiums are lowest when you’re young and healthy, and most carriers offer future increase options that let you add coverage as your income grows — without additional medical underwriting.

Get Expert Guidance on Your Coverage

We help physicians compare policies and choose the right protection for their specialty and career stage.

CU Anschutz, Denver Health & St. Joseph's Residents

You may be eligible for a Guaranteed Issue disability insurance program designed specifically for physicians in training.