Protect your income and future with disability insurance designed specifically for medical professionals. Our tailored coverage ensures financial security if you're unable to practice medicine.
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Our disability insurance policies are specifically designed to address the unique needs of physicians and medical professionals.
Receive benefits if you can't perform your medical specialty, even if you can work in another medical field or profession.
Partial benefits if you can work but experience income loss due to reduced hours or responsibilities.
Additional coverage to help meet student loan obligations during a disability period.
Tailored coverage based on your medical specialty and its unique income protection needs.
Option to increase coverage as your income grows without additional medical underwriting.
Premiums cannot be increased and policy cannot be canceled as long as premiums are paid.
Standard disability insurance often falls short for medical professionals. Our specialized coverage addresses the unique needs of physicians.
Coverage designed for high-earning physicians with appropriate benefit limits.
Protection that recognizes the specialized nature of your medical practice.
Coverage options that grow with your career from training to practice.
Your policy stays with you regardless of where you practice or if you change employers.
Find answers to common questions about physician disability insurance.
Physician disability insurance offers specialized "own-occupation" coverage, meaning you receive benefits if you can't perform your specific medical specialty even if you can work in another capacity. It also typically offers higher benefit amounts to protect physicians' higher incomes.
The best time to purchase is early in your career, ideally during residency or fellowship. Premiums are lower when you're younger and healthier, and you'll secure coverage before developing any medical conditions that might affect insurability.
Most financial advisors recommend coverage for 60-70% of your gross income. However, the appropriate amount depends on your specific financial situation, including expenses, debt, savings, and other income sources.
Employer-provided coverage is rarely sufficient for physicians. These policies often have limited definitions of disability, cap benefits well below a physician's income, and benefits are typically taxable. Additionally, coverage ends if you leave your employer.
The elimination period (or waiting period) is the time between the onset of disability and when you begin receiving benefits. Common periods are 90 or 180 days. Longer elimination periods typically result in lower premiums.
Complete our form to receive a customized disability insurance quote tailored to your medical specialty and career stage.
info@medguardinsurance.com
(800) 555-0123
Monday-Friday: 9AM-5PM EST
We specialize in providing tailored disability insurance solutions for physicians and medical professionals.
At MedGuard, we understand the unique challenges and risks faced by those in the medical profession. For over 15 years, we have dedicated ourselves to protecting the financial future of physicians across all specialties.
Our team of insurance specialists has deep expertise in the medical field and works closely with leading insurance carriers to offer comprehensive coverage options designed specifically for healthcare professionals.
We believe in building long-term relationships with our clients, providing ongoing support as your career evolves from training to practice and through retirement planning.