Protecting What Matters Most

As a physician, you see the importance of having disability insurance in place. Whether you are an independent physician and must purchase your own disability insurance, or you are employed and only receive coverage through your employer, you see the value in protecting your income.

Still, some physicians (whether independent or employed) may not have enough disability insurance to adequately protect their finances. If you become sick or injured and are unable to work, will your current disability coverage adequately protect you? Will your family have enough income to sustain the standard of living that you have achieved together?

If you can’t work, how will your practice?

It takes a lot of planning, dedication, time and money to make a medical practice work efficiently and profitably. But if a disability should strike, you might be unable to work for an extended period of time. Without the right disability insurance, everything you have worked so hard to achieve could be lost.

According to statistics, illness is the cause of 90% of all disabilities with 10% due to injuries.* As a physician in private practice, you’re responsible for purchasing your own disability coverage. If you become disabled, you’ll need enough personal disability income to pay out-of-pocket medical costs and living expenses, while also covering your share of the business overhead expenses.