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Disability Insurance for Physicians

Disability Insurance for Physicians

The Need For Disability Insurance For Physicians

Disability insurance for physicians may not have been the first type of insurance physicians used to think about, but its importance became apparent with the recent COVID-19 pandemic. Physicians are on the front lines whenever a significant event happens in the world, so it’s essential to protect their ability to do their work for the foreseeable future, or any job for that matter.

A disability would get in the way of physicians doing their work and taking care of patients that need them, so it’s important to highlight the importance of protecting them through disability insurance for physicians.

Why disability insurance for physicians?

Unexpected illnesses and accidents have left many Americans struggling with finances. The ability to go to work and earn a living is one of the most important skills we have as adults, but we don’t appreciate it enough. If you pay insurance for your house and car, why wouldn’t you protect the source of it all – your paycheck?

Disability insurance for physicians covers around 50% to 60% of the salary in cases of disability. A potential disability can have a significant negative impact on a physician’s life and ability to earn for their living.

What does disability insurance for physicians do?

In general, disability insurance for physicians is designed to give the policy beneficiaries part of their lost income in cases of an unpredicted disability that will deem them unable to continue working for a certain period of time. It’s often that disability insurance gets mixed up with worker’s compensation, but there is a clear distinction between them.

When an injury or accident occurs at your workplace, your employer will need to pay a worker’s compensation. For example, if you get hurt in a company’s vehicle or slip and fall on your company’s premises, your employer has to pay you a certain amount of money that is usually defined by law or in your employment agreement.

On the other hand, if an injury or accident occurs outside of your workplace and work hours, and you’re unable to continue working as before, your disability insurance policy will cover your monthly expenses.

How to choose disability insurance for physicians rates

Before we get into more details, one of the most important things you need to pay attention to is the disability insurance rates, better known as premiums. The highly-educated disability insurance professionals in our team know when and how to provide you with an insurance rate that will keep you and your money safe at all times – when paying the premium and when getting the benefits.

Depending on the type of disability you’re faced with, we can offer you the best income rates that will help you sleep better at night, knowing your paycheck is safe even during this challenging, unfortunate time.

Our services consist of various disability insurance plans created by licensed agents with the highest working ethics and standards. Because disability insurance for physicians is different for every individual and profession, we have disability insurance plans tailored for every individual’s needs and circumstances.

The following articles give more detailed reasons why you should consider letting Instant Disability Insurance Services help you find the best policy for your needs. Disability insurance is our specialty so we can find the best policy for your current situation. Call Jeff Pennington at 1-877-221-6198 or use the form on the right to get quotes, and more importantly; personal, expert service.

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Are you a general practitioner? Do you own your own private practice? If so, you should consider the benefits offered by MD or general practitioner disability insurance. In conjunction with a Business Overhead Expense Plan, this can ensure that your business is protected in the event that you are injured and unable to work, and […] Read More...

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Resident Disability Insurance

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Urologist Disability Insurance

As a urologist, you earn a significant annual income. The US average falls between $250,000 and $350,000 per year. Because of that high level of income, you need comprehensive protection in the form of urologist disability insurance. If you were injured or became ill and were unable to work, how would you make your mortgage […] Read More...

Surgeon Disability Insurance

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Radiologist Disability Insurance Rates

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Pediatrician Disability Insurance

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Pathologist Disability Insurance

You probably know better than anyone else that disabilities are more often caused by disease than by accidents. You also know that a disease will hit anyone regardless of how much money they make, their profession, or even how healthy a life they lead. As a pathologist, would you be able to meet your financial […] Read More...

Ophthalmologist Disability Insurance Rates

Ophthalmologists are responsible for providing outstanding patient care and ensuring positive health outcomes. While you might earn between $200,000 and $300,000 per year as an ophthalmologist, do you have the financial stability needed to withstand a prolonged period in which you were unable to work? Chances are good that you do not. Your patients would […] Read More...

Dentist Disability Insurance

As a dentist, you are generally well compensated whether you work in a hospital, in a government health agency or if you run your own dental office. Your expertise and training as a dentist allows you to earn an income that supports a higher standard of living for you and your family and the acquisition […] Read More...

Cardiologist Disability Insurance

Cardiologists, or heart specialists, provide crucial care for their patients. You may work in a hospital setting, a clinic, or even own your own practice. You also likely earn between $225,000 and $300,000 per year. That income goes to support your family’s quality of life and to meet your financial obligations. It might also help […] Read More...

Anesthesiologist Disability Insurance

Anesthesiologists are healthcare professionals that know how to take care of their health, but no one can eliminate the threat of a physical disability happening to anyone. You’re most likely aware that there are relatively more health hazards in your work compared to those of other jobs. There could be times in the span of […] Read More...

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