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

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Why doctors choose LeverageRx for physician disability insurance

It’s the easiest way to find policies and save money on disability insurance

More agents, better options. We help you shop multiple agents to find the best policies and rates

Discounts save you money. Our network of agents have access to discount programs to help save you even more money

Simplified process. No need to fill out multiple forms on different websites to compare your options.

physician disability insurance

About Physician Disability Insurance

Physicians, dentists and other medical professionals who face a disability must provide for themselves until they return to medicine, or sometimes until they reach normal retirement age. Own-occupation physician disability insurance helps those who are unable to perform their specialty for an extended period of time so they can financially support themselves and their family. Our team has reviewed and compared own-occupation disability insurance policies that we are comfortable recommending to medical professionals. All of these policies are backed by companies with strong financial ratings and great policy features. Have additional questions? Check out our physician disability insurance FAQs below.

Not sure which physician disability insurance policy you need?

Compare these recommended own-occupation disability insurance policies for physicians, dentists and other medical professionals

guardian physician disability insurance

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++

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massmutual physician disability insurance

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++

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the standard physician disability insurance

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

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principal physician disability insurance
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+

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ameritas physician disability insurance
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

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ohio national physician disability insurance
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+

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Have questions about physician disability insurance?

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Physician Disability Insurance FAQs

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.
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.
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.
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.
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.
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.