The fastest way to get physicians disability insurance.

Doctors are more specialized than most. So a true own-occupation policy is a must. In a few short minutes, your very own dedicated Insurance Expert can provide you with a comprehensive array of options tailored just for you.

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I had a wonderful experience working with Rhett. He was patient, informative, quick to answer my questions and made sure everything was prepared carefully. I would highly recommend his service.

– Janna

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He helped me fill out the forms needed and walked me through the application process. Trustworthy and efficient. I’d recommend him to any friends or family.

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Insurers on LeverageRx

The LeverageRx Experience

How it works

Step One

Fill out the form

We’ll ask you a few basic questions to get to know you better, such as your age, specialty, and where you’re located.

This will assure that we provide you with policies that are tailored just for you.

Step Two

Get your rates

In just a few short minutes, your licensed Insurance Expert will provide you with a comprehensive array of options.

Since no two disability insurance policies are the same, this step allows you to quickly and effortlessly compare policies — saving you a headache (and time!)

Step Three

Get covered

Your licensed insurance expert will work to finalize your coverage in no time.

That way you can get back to the things you enjoy.

Who Qualifies for Own-Occupation Disability Insurance?

The case for physician disability insurance begins with a sobering reality: Between 25-30% of American workers will suffer a disabling event at some point in their careers that prevents them from earning an income. As a highly-trained, highly-compensated medical professional, ask yourself:

  • What would you do if you couldn’t work?
  • How would you pay your bills if you lost your income?
  • What would become of your medical practice if you were unable to treat patients?
  • How would the loss of income affect your lifestyle and ability to provide for your family?

Depending on how you answer these questions, you may want to purchase disability insurance to protect your income.

Why own-occupation disability insurance?

Medical specialties need own-occupation coverage because of the time and commitment they have made to achieve their degree of specialty/position. Because of this vast experience, medical specialties have the ability to earn income even while being disabled. To have a disability policy that would penalize you to earn an income while being disabled goes against LeverageRx’s commitment to their clients. That’s why all policies we offer allow you to work while being disabled with no reduction to your benefit.

LeverageRx Own-occupation

Own-occupation/Specialty Specific Coverage

Ability to work & receive full benefit while being disabled

Guaranteed Level Premiums
(Rates never go up)

No Medical Exams

Ability to increase the benefit with no medical underwriting

Shop multiple companies at the same time giving you more options

Ability to customize it to your needs

All Other Modified Own-occupation

Insurance Company defines you occupation

Lose all or part of the benefit if working any other occupation while being disabled

Rates can go up even when the benefit stays the same

Most require medical exams

Not able to increase or have a small cap

Only get quotes from one company

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Who Qualifies for Own-Occupation Disability Insurance?

All medical providers should have an own occupation disability insurance policy. As a nurse, resident physician or an attending – we can tailor a policy to fit their medical profession and these policies will also allow for adjustments in the future with no additional medical underwriting. All the policies we offer are able to be written alongside a group disability plans from your employer providing the most comprehensive coverage.

  • Medical Doctors (MD)
  • Doctors of Osteopathy (DO)
  • Doctors of Dental Medicine (DMD)
  • Doctors of Dental Surgery (DDS)
  • Optometrist (OD)
  • Podiatrist (DPM)
  • Veterinarian (DPM)
  • Chiropractor (DCH)
  • Nurse Practitioner (NP)
  • Certified Registered Nurse Anesthetist (CRNA)
  • PharmD
  • Registered Pharmacist (RpH)
  • Physician Assistant (PA)
  • Doctor of Osteopathic Medicine (DO)
  • Nurses (RN)

The LeverageRx Experience

How it works

Independent & Unbiased

We will show you all your disability insurance options to help find the best rate

Expert Advice

Our insurance experts focus solely on advising healthcare professionals

Discounts Save Money

Save up to 40% on the cost of disability insurance with our exclusive discount programs


Read the latest articles from LeverageRx

Find the Best Own-Occ Disability Insurance for You