Other Healthcare Professionals
Disability Insurance for Medical Professionals
An injury or illness that prevents a medical professional from working can quickly lead to financial strain. Many advanced practice providers and specialists face delayed earnings, education-related debt, and growing financial responsibilities. Without income protection in place, the financial consequences of a disability could be significant and long-lasting. Individual disability insurance offers a straightforward way to safeguard your income and protect your financial future.
Choosing the appropriate policy starts with having the right guidance. We help medical professionals navigate the private disability insurance marketplace with clear, objective advice and personalized support. Our goal is to make sure you understand your options and feel confident selecting a policy that fits your career, specialty, and budget.
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Disability Insurance - Simplified
Request Your Quotes
Disability insurance benefits and pricing are effected by several factors including age, gender, occupation and income. Completing our Quote Request form gives us the details needed to provide you with personalized information and quotes to review. We do not sell or share your information.
We Help You Compare Options
Disability insurance is not as complicated as some would like you to believe. In fact, it can be made quite simple when provided a clear explanation of the most important concepts, features and riders. There are only so many ways these policies can be designed, and only so many differences that can really be evaluated. Once you have a chance to review your personalized proposals, we’ll schedule a time to review them together by phone.
Apply With Confidence and Realistic Expectations
Applying for disability insurance is simple, but the underwriting process is rarely that and not everyone qualifies for flawless coverage. We believe it is important to discuss all variables ahead of applying, to help ensure the smoothest process possible, avoid surprises and allow consumers to apply with realistic expectations.
Important Features
Benefit Period Payable to Age 65
The benefit period is the longest period of time benefits will be paid for a continuous disability, and should be “to age 65”. Longer benefit periods exist, but may not be best for those who are price sensitive.
Non-Cancelable & Guaranteed Renewable
The insurance company cannot cancel your policy, increase your premiums or change your policy provisions until policy expiry, except for nonpayment of premiums.
True Own-Occupation Definition of Total Disability
When an injury or sickness prevents you from performing the material and substantial duties of your occupation, even if you are gainfully employed in another occupation.
Partial / Residual Disability Benefits
When an injury or sickness causes you to experience a 15% (20% with some companies) or greater loss of income while you are still working in your occupation.
Benefit Increase Options
An optional rider that allows the insured to increase their monthly benefit as their income increases, without being required to disclose updated health information to the insurance company.
Cost of Living Adjustments
An optional rider that adjusts your monthly benefit throughout a long-term disability claim to help keep pace with inflation. This rider is generally recommended for young professionals.
