Instant Physician Disability Insurance Quotes

Introducing the easiest way to save money on physician disability insurance by shopping and comparing multiple policies, agents and discounts
Get quotes in less than 2 minutes

5,000+

Medical professionals
we've helped so far
We keep your
information secured

15%

Average disability
insurance savings

Get Disability Insurance with LeverageRx in 3 easy steps

1

Tell us a little about yourself

Fill out the simple form with your pertinent information. This helps us find the cheapest rates.
2

Select an agent

We work with the top agents in the country. Choose the ones that you match your needs to help guide you through the policies.
3

Get your instant rate

We have rates for the top disability insurance products. Select ones that fit your needs and your budget.

Compare Own-Occupation Disability Insurance for Physicians and Dentists

Provider Choice

Definition of Disability Own-Occupation Definition

Residual Benefit Requires 15% loss of income

Future Increase Option Available annually up to age 55

AM Best Rating

A++

Get Quote
A++ rated Guardian's feature-rich disability insurance products are the Provider Plus and Provider Choice, underwritten by its wholly-owned subsidiary, Berkshire Life. Guardian is known as the cadillac of insurance products and is one of the largest mutual insurance companies in the United States.
The information provided is not a contract or an offer of coverage. It's displayed for educational purposes only and describes certain features of a standard policy, which may vary by state. If a policy is issued, its provisions and features may differ from this information. Individual Disability Income Products are issued by Berkshire Life Insurance Company of America, Pittsfield, MA, which is solely responsible for the financial obligations thereunder. For a complete description of policy benefits and features, ask your representative for a sample policy.
Radius

Definition of Disability Own-Occupation Definition

Residual Benefit Requires 15% loss of income

Future Increase Option Available annually up to age 55

AM Best Rating

A++

Get Quote
Mass Mutual's disability insurance policies, Radius and Radius Choice, features several options for tailoring disability coverage to specific needs and controlling premium expenses.
This is not a contract or an offer of coverage. It's for educational purposes only and describes certain features of a standard policy, which may vary by state. If a policy is issued, its provisions and features may differ from this information. For a complete description of policy benefits and features, ask your representative for a sample policy.
Platinum Advantage

Definition of Disability Own-Occupation Definition

Residual Benefit Requires 20% loss of income

Future Increase Option Available annually up to age 55

AM Best Rating

A

Get Quote
The Standard's disability insurance policies for physicians and dentists, Protector Platinum and Platinum Advantage, have all of the components along with several riders to create a tailored solution for maximum disability income protection.
This is not a contract and only the contract provisions in the policy, if one is issued, will control. State law may require variations of contract provisions. A policy has exclusions, limitations and terms under which it may be continued or discontinued. Coverage is subject to The Standard's medical and financial underwriting requirements and guidelines. Contact your representative for costs and complete details of coverage.
HH750

Definition of Disability Own-Occupation Definition

Residual Benefit Requires 20% loss of income

Future Increase Option Available every 3 years

AM Best Rating

A+

Get Quote
Principal's disability insurance product for doctors, Solutions 750, offers a range of options for maximum policy design flexibility and customization.
This is not a contract or an offer of coverage. It's for educational purposes only and describes certain features of a standard policy, which may vary by state. If a policy is issued, its provisions and features may differ from this information. This information is a general description, but is not the policy, and does not modify the provisions of any policy or rider. Policy definitions and provisions may vary in some states. Please read your policy carefully for exact definitions in your state. Contact your representative for complete details.
DInamic Foundation

Definition of Disability Own-Occupation Definition

Residual Benefit Requires 15% loss of income

Future Increase Option Available annually to age 55

AM Best Rating

A

Get Quote
Ameritas Life Insurance's disability insurance product for physicians and dentists, DInamic Foundation, is underwritten by its wholly-owned subsidiary, Union Central Life.
This is not a contract or an offer of coverage. It's for educational purposes only and describes certain features of a standard policy, which may vary by state. If a policy is issued, its provisions and features may differ from this information.

In approved states, DInamic Foundation (forms 4501NC, 4502GR and 4503NCBOE) is issued by Ameritas Life Insurance Corp. In New York, DInamic Foundation (forms 5501-NC, 5502-GR and 5503- NCBOE) is issued by Ameritas Life Insurance Corp. of New York. Policy and riders may vary and may not be available in all states.

Ameritas® is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp., located at 5900 O Street, Lincoln, NE 68510, Ameritas Life Insurance Corp. of New York, located at 1350 Broadway, Suite 2201, New York, New York 10018 and Ameritas Investment Corp, member FINRA/SIPC. Ameritas Life Insurance Corp. of New York is licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com.

Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. © 2015 Ameritas Mutual Holding Company
ContinuON Income Solutions II

Definition of Disability Own-Occupation Definition

Residual Benefit Requires 15% loss of income

Future Increase Option Available annually to age 60

AM Best Rating

A+

Get Quote
Ohio National's physician disability insurance policy, Continuon Income Solutions II, features several options for tailoring disability coverage to specific needs and controlling premium expenses.
This is not a contract or an offer of coverage. It's for educational purposes only and describes certain features of a standard policy, which may vary by state. If a policy is issued, its provisions and features may differ from this information. For a complete description of policy benefits and features, ask your representative for a sample policy.

Articles about doctor disability insurance

Ohio National disability insurance review
Ohio National’s disability insurance policy, ContinuON Income Solutions II, is a relatively new product but should still be considered one of the top six disability insurance options for doctors. The disability insurance policy is issued by Ohio National Life Assurance Corp. To help bring you up to speed on
Keep reading
Ameritas Disability Insurance Review
The Ameritas disability insurance policy, DInamic Foundation, is issued by Americas Life Insurance Corporation in approved states. In the state of New York, the policy is issued by Americas Life Insurance Corporation of New York. Below is an overview of DInamic Foundation’s key provisions and features: Ameritas Disability Insurance
Keep reading
6 common mistakes to avoid when buying life insurance
As a physician, you know one of the the last things people want to think about or talk about is mortality. That’s why so many avoid the need for life insurance. And when they do get around to buying life insurance, they often rush through the process and make
Keep reading

The Word Is Out

LeverageRx is the easiest way to find financial services for doctors

Physician Disability Insurance FAQs

When is the best time to purchase a disability insurance policy?
The cost of disability insurance and the premiums you pay are based on your age and overall health status as determined by the insurance company. Therefore, the younger and healthier you are, the less expensive your premiums will be. Many of the bigger insurance agents will have discounts available based on your training and location status prior to starting full time practice. For that reason, we recommend purchasing an individual policy before transitioning from training to practice.
What are AM Best ratings?
AM Best is a well-respected ratings agency that focuses on rating and reviewing insurance companies. Their ratings are a forward-looking independent and objective opinion regarding an insurer's relative creditworthiness. Their opinion represents a comprehensive analysis consisting of a quantitative and qualitative evaluation of balance sheet strength, operating performance and business profile. For that reason, we show the AM Best Ratings in our comparisons.
What are residual benefits or residual income?
As it pertains to own-occupation disability coverage, residual benefits cover a partial loss of income due to a disability. Residual benefits are triggered by a percentage loss of income, usually 15% or 20% depending on the carrier. At that point, residual benefits will be paid to the policyholder.
What are the tax treatments of benefits paid for a disability?
Benefits paid by the insurance company for individual plans are not taxable because the premiums have been paid with after-tax dollars by the policyholder. If you are a part of a group disability plan or an association-based disability plan those benefits will be taxable if they were paid with pre-tax dollars.
What does "own-occupation" mean?
Own-occupation refers to the definition of disability in the insurance policy. Different policies have different definitions in the insurance contract that determine what makes a policyholder eligible to receive benefits, or be qualified as disabled. Own-occupation policies focus on your specialty and the specific training that qualifies you to be able to perform your specialty-specific duties and responsibilities. For example, if a surgeon lost a finger in an accident and can no longer perform surgery, but can perform the duties of a family practice physician, full benefits would be paid to the surgeon if it were an own-occupation policy. If the policy was not own-occupation, the insurance company could claim that the surgeon can still practice medicine as a family practice physician and deny benefits.
Which physician disability insurance companies have own-occupation policies?
All of the disability insurance companies listed above provide own-occupation definitions of disability in their insurance policies. Those disability insurance companies include Guardian, Ameritas, Principal, The Standard, MassMutual and Ohio National.