Do I need disability insurance even as a resident or fellow?
Yes — it’s often the best time to secure coverage while you’re young, healthy, and before any medical issues arise that could limit your options or cost you more.

Isn’t my group policy from my employer enough?
Often, no. Group policies typically have lower benefit limits, weaker definitions, taxable benefits, and no portability if you change jobs or go into private practice.

What’s “Own-Occupation” coverage, and why is it so important?
Own-Occupation means you’re considered disabled if you can’t perform the duties of your specific specialty — even if you could technically work in another job. For physicians and dentists, this definition is critical.

How much coverage should I have?
We typically aim to cover 60–70% of your gross income with tax-free benefits, but exact amounts depend on your specialty, financial needs, and long-term goals.

Can I adjust my coverage as my income grows?
Yes. We help structure policies with Future Increase Options so you can lock in your insurability now and increase your coverage later — without additional medical underwriting.

Is disability insurance expensive?
It’s one of the most important (and often misunderstood) insurance decisions you’ll make. Premiums vary based on age, health, specialty, and benefit amount — but the cost of going without proper coverage is far greater.

We’ll help you understand what you have, what you need, and how to protect your income for the long run.